Questions about occupant insurance

• Does the insurance pay out even if I am at fault for the accident?

  Yes, it is precisely when the driver is at fault that the insurance pays out, as no other party and/or other insurer can be held liable.

• What is meant by "personal injury" and what does it include?

  Personal injury is physical and/or psychological injury to a person resulting from an accident. Associated costs include those for doctors, medications, and an ambulance service. These costs are covered by your health insurance. However, this is only up to a certain amount, and it does not cover the total costs that you incurred.

• What does "personal items are also covered" mean?

  If, for example, the glasses or laptop of the driver or one of the passengers of the rental car are broken during the accident, this falls under property damage and the occupant insurance taken out covers this.

• Is occupant insurance mandatory for me as renter?

  No, occupant insurance is not mandatory for you as a renter of the car. However, we do recommend taking out this insurance to avoid problems and hassles after an accident. It is a way to take good care of yourself as a driver and your passengers.

• What is reimbursed under/ what is covered by occupant insurance?

  If you have purchased occupant insurance, you can claim for medical expenses, healthcare provider deductible, loss of earning capacity, consequential expenses (for example, needing help with housekeeping or installing a stairlift) and compensation for pain and suffering, among other things.