Bodily injury is damage affecting the physical, psychological or economic integrity of a person. They arise following a car accident.
The guarantees of your car insurance cover your damage after receipt of your declaration and, if your injuries are particularly serious and/or disabling, the report of an expert doctor.
Your compensation and its conditions vary according to your level of responsibility in the claim, determined by the joint report.
You are not responsible for the accident and the third party is identified
If you are the victim of the accident, compensation for your bodily injury is made under the Badinter law. This system offers a quick settlement, without waiting for a possible lawsuit against the person responsible.
Your treatment costs, your loss of income, the suffering suffered, a possible disability pension, are taken into account in the assessment of the damage by the expert doctor.
The third party is identified but not solvent
Compile a file and send it to the Compulsory Damage Insurance Guarantee Fund (FGAO). It provides coverage for bodily injury to victims of road accidents, hunting, and technological and mining risks, the perpetrators of which are not insured.
You are responsible for the accident or the third party is not identified
- You are covered only if you have taken out bodily injury, driver’s personal or individual coverage. Pay attention to the reasons for excluding this option.
If you drive while intoxicated, under the influence of narcotics or under the influence of a license withdrawal, the guarantee probably does not apply.
Refer to the terms and conditions of your contract for the exact list. The compensation allowed by the aforementioned guarantees is capped.
It varies from 450,000 to 1 million euros depending on the insurers. It is sometimes included in your basic contract, but make sure that it is there. For the highest ceilings, in particular 1 million euros, you will certainly have to take out an extended warranty.
- If you are partially at fault, you will probably be compensated up to your level of fault in the accident.
A figure estimated by your insurer, in the light of the joint report, the statements of the expert and/or the report drawn up by the police.
For example, if you are responsible for 50% of the claim, you receive half of the amount that would have been allocated to a non-responsible driver.