Motor Insurance Covers Injury To Third Parties

QUESTION.

As an orthopaedic surgeon, I have to write medical report for my patients who were unfortunate enough to be involved in road traffic accident.

The more unfortunate ones may lose their ability to work and some will lead long term, expensive medical care.

Whilst my sympathy lies with these victims, I also wonder what sort of bills the guilty party will face. I believe some court awards to accident victims may be very high, to cover the medical bills and perhaps loss of future earnings etc.

Whilst I do not foresee myself involving in major car accidents as the guilty party, this sort of thing is very unpredictable.

Naturally, I am not sure if I would be able to hand the potentially hefty damages that the court may award. I would not want to spend the rest of my working life paying off this debt, or worse, ending up as a bankrupt.

I do not think my vehicular insurance would cover such things. Should I buy a personal liability insurance?

REPLY

If you drive a car and you injured someone in an accident and are liable, the motor insurance policy will cover your liability. The third party injury is covered by the motor insurance.

However, if you cause this injury through another negligent act, ie not involving your car, then you are personally liable.

We do have a personal liability insurance plan. If you are interested, let me know.