What is considered an accident is defined in the insurance terms?
You may be entitled to a payment under an accident insurance if you have suffered a permanent injury in an accident. What is considered an accident is defined in the insurance terms. Practice shows, however, that the concept of accident has a broader scope than a purely linguistic interpretation of the terms would suggest. The definition in the terms and conditions should therefore be compared with case law in this area.
Payment under an accident insurance is related to the size of the damage you have suffered, also called medical disability. The medical disability is determined by a medical specialist 1-3 years after the accident. It is important to make sure that the medical expert receives complete information about the accident and the injuries. It may therefore be appropriate to consult a lawyer with experience in the field before contacting a medical expert.