What is an SVI insurance?

An SVI insurance is an additional insurance on your car insurance that covers personal injury for both the driver and the passengers. Unlike the third-party liability insurance or an all-risk insurance for instance, which only cover damage to others or to your vehicle.

With SVI insurance, you are insured for the actual damage incurred after a traffic accident, regardless of who is at fault. The insurance pays out compensation amounts that are comparable to those from a regular personal injury procedure.

What damage does the SVI insurance cover?

The SVI insurance generally reimburses almost all of the damage incurred as a result of physical injury in an accident, including:

• Medical expenses (hospital admissions, treatments, rehabilitation, therapies)

• Deductibles and co-pays from the health insurance

• Loss of income due to temporary or permanent disability

• Domestic assistance costs if you can’t perform tasks anymore

• Travel expenses for medical treatments

• Compensation for pain, sorrow and emotional distress

Limitations in coverage

Not all SVI insurances offer unrestricted coverage for all damages. Please note:

• There is often a maximum insured amount.

• If the damage is higher than the insured amount, you will not receive compensation above this limit.

• Always check the policy terms and conditions and the maximum coverage when taking out insurance.

A personal injury lawyer could help you analyze the terms and policy conditions to ensure you are optimally insured.

Difference between SVI insurance and OIV insurance

SVI insurance (Personal Injury Insurance for Passengers):

• Covers all actual personal injury, including medical costs, loss of income, compensation for pain, and more.

• Applicable to driver and all passengers.

• No fixed amounts, but based on the actual damage.

OIV insurance (Passengers Accident Insurance):

• Only pays out a predetermined sum in case of permanent disability or death.

• No compensation for medical costs or temporary loss of income.

• The amount depends on the degree of disability and the insured amount.

Common misunderstandings about SVI and OIV

• SVI and OIV are often mixed up: many people think that every passenger insurance covers medical costs.

• OIV offers less protection: only in case of permanent disability or death.

• Policy terms are often not read correctly: frequently, an OIV is taken out by mistake, while the intention was to take out an SVI.

• Insurance benefits are often overestimated: the OIV often pays out less than expected.

Therefore, always make sure to check well which insurance you are taking out.

In what situations can you call on the SVI insurance?

You can claim damages through your SVI insurance in the following cases, among others:

• In case of a single party accident (e.g., slippery roads, a flat tire, animals on the road)

• When you yourself have caused the accident

• If the other party does not accept liability

• In case of an accident abroad or uncertainty about who’s at fault

The SVI insurance can be a crucial solution in these situations, because the coverage is not tied to liability.

Out-of-court costs and legal aid for SVI claims

Many people believe that legal costs are not, or only partially, reimbursed by the SVI insurer. This is a stubborn misunderstanding. According to a ruling from the Supreme Court:

• SVI insurers must cover all reasonable out-of-court costs.

• Limitations or exclusions in the terms of the policy are legally invalid.

• You can use a specialized personal injury lawyer free of charge.

As a result, you do not run any financial risk when you enlist legal help.

The importance of legal help with an SVI claim

Although the SVI insurance offers extensive coverage, filing a personal injury claim remains complex, consider:

• Burden of proof: you must substantiate all costs.

• Damage calculation: a personal injury specialist ensures maximum compensation.

• Negotiating with the insurer: a lawyer prevents you from having to accept an offer that is too low.

An experienced personal injury lawyer will take all these concerns off your hands and ensure that you get what you are entitled to.

Why choose for Arslan & Arslan Lawyers?

With Arslan & Arslan Lawyers you are guaranteed of expert legal assistance. We offer:

• Free legal assistance: the insurance pays the lawyers’ fees.

• Personal support: we always keep you informed.

• Maximum compensation: we get the most out of your claim.

With our expertise, you don’t have to worry about complicated legal procedures or financial worries. You can focus on your recovery.

Contact us without obligation

Do you have questions about personal injury or an SVI claim? Contact us without obligation today. We help you further free of charge and make sure that you receive the full compensation you are entitled to.