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Car Comprehensive Insurance Cover after tragedy
pops
#1 Posted : Tuesday, August 24, 2010 6:40:00 PM
Rank: Member


Joined: 9/13/2006
Posts: 118
hi guys i have gone through a serious tragedy and need some insurance advice. i have a company car that is comprehensively insured in the company name. last week while travelling to up country with my wife, we had a serious accident in which she died. i came out with some bad injuries. my question is i cannot work for some time. can i claim damages for loss of life from my insurance company because it was comprenhensive. pls advice. thnx.
Njung'e
#2 Posted : Tuesday, August 24, 2010 6:58:04 PM
Rank: Elder


Joined: 2/7/2007
Posts: 11,935
Location: Nairobi
@pops,
That's very sad news.....Pole sana!.Get well soon and may God give you strength to overcome the loss of your spouse.
Nothing great was ever achieved without enthusiasm.
niando
#3 Posted : Tuesday, August 24, 2010 7:05:59 PM
Rank: Member


Joined: 6/5/2008
Posts: 174
Pole Pops .
This roads are becoming death traps.
I also lost a very good friend in a car crash last friday evening along Mombasa highway near Athi river.
Though ajali haina Kinga , guys please be careful while on the highways.

I also believe that the Road ministry and traffic departments are dead asleep.
You can be careful and then a drunk f***l hits you dead.






For bookkeeping and bank loan interest recalculation try us:niando.becia@gmail.com
Tebes
#4 Posted : Tuesday, August 24, 2010 7:11:53 PM
Rank: Elder


Joined: 11/26/2008
Posts: 2,095
@Pops
Pole for the loss of your spouse, wish you too a quick recovery from your last week's accident. Anyway, does your employer have a group insurance scheme? For comprehensive, most insurance firms insist on seperate policies for accident compensation.
"Never regret, if its good, its wonderful. If its bad, its experience."
muganda
#5 Posted : Tuesday, August 24, 2010 7:18:42 PM
Rank: Elder


Joined: 9/15/2006
Posts: 3,844
@pops, sad sad indeed. Pole sana and I said a prayer...

I checked with a friend. Comprehensive insurance only pays for injuries to third parties (not travelling in the car)

Personal accident is the cover that compensates for disability up to 8 years. And would also have allowed for injuries to your spouse.

Life insurance would be a god-send in this circumstance.



And for the other Wazuans on a related note, I was introduced to concept of Workers Injury cover; allegedly required by law for all employees and protects against any kind of workers injury. Don't know how may of us have it...
Euge
#6 Posted : Tuesday, August 24, 2010 7:23:57 PM
Rank: Elder


Joined: 8/4/2008
Posts: 2,823
Location: Rupi
Pops, am really sorry for your predicament. May the good lord give your wife eternal rest. Am sure the angels are watching over her. I pray that you may heal fast and completely.

Comprehensive covers cater for 3rd party and in this case you are a 3rd party coz you do not own the car so you can claim. If you have a personal accident cover either with your employer or a personal one, you should invoke it and they should pay you the equivalent of your income on a weekly basis.

Again, pole sana, take courage and God bless you.
Lord, thank you!
Euge
#7 Posted : Tuesday, August 24, 2010 7:26:23 PM
Rank: Elder


Joined: 8/4/2008
Posts: 2,823
Location: Rupi
@Muganda 1st party is insurance company, 2nd party is owner of the car and family members, 3rd party is any other person who may be travelling in the car or injured while outside the car. Thats my understanding.
Lord, thank you!
wazua
#8 Posted : Tuesday, August 24, 2010 7:29:58 PM
Rank: Administration


Joined: 11/19/2009
Posts: 679
Dear @pops,

We are extremely saddened by the tragedy that befell your family. We join members of our Wazua community in expressing our heartfelt condolences, and pray God may give you strength.

Thank you for sharing in Wazua.

Eternal rest, grant unto her, O Lord,
and let perpetual light shine upon her.
May she rest in peace!


Impunity
#9 Posted : Wednesday, August 25, 2010 12:42:00 PM
Rank: Elder


Joined: 3/2/2009
Posts: 25,834
Location: Masada
I've a post from a fellow Wazuan who had a bad accident in a company car.
Pole.

I need some clarification please;
My car is comprehensive insured, you mean I cant claim injuries when I got "God Forbid" an accident?
Kwani does this coprehensive cover entail?
Sad Sad Sad Sad
Sad Sad Sad Sad
Portfolio: Sold
You know you've made it when you get a parking space for your yatcht.

FundamentAli
#10 Posted : Wednesday, August 25, 2010 12:45:28 PM
Rank: Veteran


Joined: 11/4/2008
Posts: 1,265
Location: Nairobi
@Impunity,

The passengers are covered, not the driver
Impunity
#11 Posted : Wednesday, August 25, 2010 12:54:30 PM
Rank: Elder


Joined: 3/2/2009
Posts: 25,834
Location: Masada
If I'm injured in that accident then who will pay me?
And then what is the difference between this Motor Vehicle 3rd Party cover?
Portfolio: Sold
You know you've made it when you get a parking space for your yatcht.

Mkimwa
#12 Posted : Wednesday, August 25, 2010 3:25:22 PM
Rank: Member


Joined: 10/26/2008
Posts: 367
My heartfelt condolences on the loss of your wife.
pops
#13 Posted : Wednesday, August 25, 2010 5:26:46 PM
Rank: Member


Joined: 9/13/2006
Posts: 118
thank you very much for your kind words and valuable advice. i am still trying to get over the loss, and i was even feeling embarrassed to ask for compensation from the my company insurance. but i dont have a choice, atleast i can give my kids a future with it.
Robinhood
#14 Posted : Thursday, August 26, 2010 9:12:10 AM
Rank: Elder


Joined: 12/11/2008
Posts: 2,306
Pole sana @pops. May God comfort you.
Great men are not always wise, neither do the aged understand judgement...
Rahatupu
#15 Posted : Thursday, August 26, 2010 11:16:27 AM
Rank: Veteran


Joined: 12/4/2009
Posts: 1,927
Location: matano manne
Pray Pole sana, may God give you the strength to overcome the loss.

Though I'm not an expert in insurance matters, I can share a few things:
1. Like someone else has said the car insurance is meant to protect the car and maybe personal effects in case of damage to the vehicle.
2. Comprehensive insurance therefore compensates you for the damage to the car for repairs or replacement.
3. If you are the driver and owner of the car injury or death is not inclusive nor to immediate family members.
4. The answer lies in personal accident cover, life insurance etc.

You may need to talk to your insurance provider for clarity anyway.

May God bless you as you recover and remember baada ya msiba ni faraja. Be STRONG
centerbolt
#16 Posted : Thursday, August 26, 2010 11:41:57 AM
Rank: Member


Joined: 2/26/2010
Posts: 108
Location: Jabini
@ pops im so sorry for your loss :(

for comprehensive they should pay even if its a company car since you are the one allocated to use the car....

once again may the good Lord comfort you and your family...
Intelligentsia
#17 Posted : Thursday, August 26, 2010 12:02:53 PM
Rank: Elder


Joined: 10/1/2009
Posts: 2,422
@pops pole sana, just rem there's no sorrow on earth that heaven can't heal. Take good care of those kids, they are your greatest asset.Hope the insur. matter works out well.
simonkabz
#18 Posted : Thursday, August 26, 2010 1:15:10 PM
Rank: Elder


Joined: 3/2/2007
Posts: 8,678
Location: Cameroon
Pole sana pops. Leave everything to the almighty.
TULIA.........UFUNZWE!
hindi ni riu
#19 Posted : Thursday, August 26, 2010 9:58:05 PM
Rank: Member


Joined: 5/2/2010
Posts: 304
Pole sana Pops, may God give you the strength to cope through the situation.

“Once the last tree is cut and the last river poisoned,you will find you cannot eat your money" Traditional saying.
mlefu
#20 Posted : Thursday, August 26, 2010 10:10:47 PM
Rank: Elder


Joined: 2/11/2007
Posts: 1,680
Location: nairobi
pops..be strong.

i also wish to understand comprehensive cover, from the replies...i am lost.

mention the the company, i believe it will help.


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