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.

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.

@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...

@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.

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?

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?

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.

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

@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.

Pole sana Pops, may God give you the strength to cope through the situation.