Insurance tip: Traffic accidents on the rise – driver protection is a sensible extra

universal insurance

Insurance tip: Traffic accidents on the rise – driver protection is a sensible extra

Insurance tip: Traffic accidents on the rise – driver protection is a sensible extra

More deaths, more injuries: After the corona record low in 2021, traffic accidents increased again in the first half of 2022. Passengers are protected in the event of accidents by motor vehicle liability insurance. But what about the driver?

According to the Federal Statistical Office, 1,238 people died in road accidents in Germany in the first six months of 2022. That is twelve percent more than in the same period last year. The number of injured increased by 20 percent to almost 163,800 people. If vehicle occupants are injured or killed in a traffic accident, their personal injuries are covered by motor vehicle liability insurance. But what about the driver? Unlike passengers, personal injuries to the driver of the vehicle are not covered by motor vehicle liability insurance. “If there is no other party involved in the accident or if the driver is at fault, the driver does not receive any financial benefit, for example compensation for pain and suffering or loss of income,” explains damage expert Margareta Bösl of uniVersa Versicherung. . More and more auto insurance companies are offering driver protection as an add-on component for a small additional fee. With the uniVersa, for example, it costs ten percent of the liability premium. Up to €15 million is insured for each loss, for example, for loss of earnings, compensation for pain and suffering or as protection for surviving dependents for pension and support in the event of death. As an alternative, you can also take out private accident insurance, which is usually more expensive, but which also includes 24-hour coverage for accidents at work and at leisure.

Ansprechpartner:
Stefan Taschner, Pressesprecher
Telefon +49 911 5307-1698, Fax +49 911 5307-1676
E-Mail: [email protected]
Internet: www.universa.de/presse
uniVersa Krankenversicherung a.G., Lebensversicherung a.G., Allgemeine Versicherung AG
Hauptverwaltung: Sulzbacher Str. 1-7, 90489 Nürnberg


Die uniVersa Versicherungsunternehmen sind eine Unternehmensgruppe mit langer Tradition und großer Erfahrung, deren Ursprünge auf das Jahr 1843 – dem Gründungsjahr der uniVersa Krankenversicherung a.G. als älteste private Krankenversicherung Deutschlands und 1857, dem Gründungsjahr der uniVersa Lebensversicherung a.G. – zurückgehen. Als moderner Finanzdienstleister ist die uniVersa heute auf die Rundum-Lösung von Versorgungsproblemen vornehmlich der privaten Haushalte sowie kleinerer und mittlerer Betriebe spezialisiert. Rund 7.000 Mitarbeiter und Vertriebspartner stehen bundesweit als kompetente Ansprechpartner den Kunden zur Verfügung.


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