Loss event 1: Collision without another party
Arto turns onto his driveway after a long day at work. When parking his car, he backs into the carport, accidentally hitting a ride-on lawn mower parked there. The car topples over the lawn mower and partially climbs on top of it. Startled by the noise, Arto quickly realises what has happened and carefully moves his car forwards so that it doesn’t sit on the lawn mower anymore. Inspecting the damage, Arto notices to his dismay that the collision has damaged the back of the car in addition to its plastic base plate.
Arto’s car is protected by Super Motor Insurance. Arto contacts Pohjola Repair Advisor who handles the repair and reports the damage to Pohjola Insurance. The damage is covered by Super Motor Insurance’s Collision Cover. Arto has to pay EUR 200, which is the deductible he chose when insuring his car.
Loss event 2: A collision with another party
On her way to an activity, Tea sits in her car during the afternoon rush hour. The traffic lights turn green, and the cars ahead of her nudge forward. Bit by bit, Tea starts to move, too. She’s driving fairly fast when the lights turn amber. Hesitating for a moment, Tea decides to stop at the lights. Because of the short distance between the cars, the next driver doesn’t react in time, resulting in a collision. Both Tea’s car and the car behind her are damaged.
Tea’s car is protected by Standard Motor Insurance. Tea contacts Pohjola Repair Advisor who handles the repair and reports the damage to Pohjola Insurance.
If Tea is found guilty of causing the accident, the damage to the obligor’s vehicle is covered by Tea’s motor liability insurance and the damage to Tea’s vehicle is covered by the Collision Cover included in her comprehensive motor vehicle insurance. When the compensation is paid by the motor liability insurance, Tea doesn’t have to pay a deductible but the accident negatively impacts the bonus of her motor liability insurance from the start of the next insurance period onwards. The damage to Tea’s own car is covered by the Collision Cover included in her comprehensive motor vehicle insurance, and Tea pays the EUR 200 deductible that she has opted for. The compensation situation negatively affects the Collision Cover bonus from the start of the next insurance period onwards.
If the obligor is deemed guilty of causing the accident, the damage to Tea’s vehicle will be covered by the obligor’s motor liability insurance. Consequently, the accident will not have any effect on Tea’s Collision Cover or the bonus of her motor liability insurance, and Tea will not have to pay a deductible for the accident. The damage to the obligor’s vehicle will be covered by his/her comprehensive motor vehicle insurance, provided that it includes collision cover.