Hi everybody!

I'm making my car insurance now and they asked me if I want to insure also the passengers that might be with me in case of an accident.

My question is, since everybody have a health insurance, I don't really need this Passenger Insurance, right?

Thanks!

Health insurance is just that, accidents are different, however are covered from work. Some people like to buy insurance, I don't.

True everyone is required to have health insurance so if your passengers suffer from some aliment which is attributed to your driving (seasickness?) they're covered but..

What you have to remember here is "health" insurance and "accident" insurance are not the same thing. Yes, health insurance is mandatory in Switzerland but accident insurance, which is normally picked up by your employer (provided you have a job or pay for it yourself) isn't.

Oh, I see.

For example: Let's say I haven't made the "Passenger insurance" while doing my car insurance. Then if I'm driving with a friend as a passenger and suddenly I crash the car and something happen with him:

a) this friend has a job which pays the "accident insurance": on this case, my friend is insured, so I dont have to pay the medical costs.

b) this friend doesnt have a job, so he dont have accident insurance (he has only health insurance): in this case, I have to pay the medical costs.

Is that right?

Are passengers not counted as third parties under the mandatory car insurance?

Accident insurance is a legal requirement in CH. If you don't have a job the RAV pay, when RAV benefits expire you have to pay yourself.

I don't think it is. Even on the comparis website, there is a checkbox that asks if you want to add passenger insurance.

You only need this passenger insurance if you carry visitors without their own accident insurance.

Do you know if one needs this extra insurance when driving a Mobility/hire car (I'm thinking that when we have visitors they're not going to have accident insurance).

Ask Mobility, the car is insured, not the driver.

Awesome. Probably I won't add this to my car insurance then.

Most of passengers that might be with me have their accident insurance covered from work.

Thanks for the help!

Actually, I think what you're talking about is the "accidents" option on car insurance which is not the same thing as accident insurance.

It is mainly death and disability benefits for any passengers you have in the car (whether they be Swiss residents or not; whether they have their own accident insurance or not etc.).

You have to look at exactly what they're offering as it can also include treatment and hospitalisation costs and also daily indemnities in the case of hospitalisation (e.g. 50CHF per day etc.).

Maybe I am wrong but is the accident insurance to cover other things such as, You crash and your passenger is hurt and wants to take you to court because you caused the accident due to bad driving and they are seeking compensation for loss of hours, stress, disability etc.

They asked you 'if I want to insure also the passengers that might be with me in case of an accident'.
Why not ask them whats it for?

No, that's the legal expenses insurance (if you have any!) that would cover you.

The accident insurance is as I described above.

Not true.

If you are not employed, you MUST get accident insurance from your health insurance provider (actually, it's automatic, to opt out you have to show you are employed and have accident insrance via work).

Tom

Not totally correct, if your Registered unemployed your insured with SUVA, you pay the premiums with deductions from RAV payments. However if you work less than 8 hours a week 1 client & earn more than 70% because you work for more than 1 you could be uninsured. The RAV claim I am insured even if no premium is paid, all very odd really. If I work self employed whilst registered with RAV I do have 100% accident cover for sure, it's when I work I may not!

Occasionally Accident insurance will be covered from 1 days work, it happened once in ZH & once in GE. Insurance extends for 30 days after the last work day which you were insured.

Even the RAV's lawyers cannot tell me if I am really insured or not, they say of course to start with, then I explain & they have no idea, the call the Case & they call SUVA, they don't know!

It's in the anhang B section
http://www.treffpunkt-arbeit.ch/date...200_d_web2.pdf

Not true for everyone. The unemployment benefits office doesn't pay for everyone's accident cover but granted, it does pay for some.
Something to check when claiming benefits.

It's deducted from your payout approx 2.8%, if you look at the link I provided it explains.
I should know I am registered with the RAV, but usually earn my salary myself.

If your telling me the 2.8% premium is optional, I would like to opt out, please give a link.

As I recall, I save a whopping CHF 12 / month by being insured through work, rather than on my health insurance.

Tom

The health insurance does not cover loss of salary, the work one does. Basic Accident insurance with health insurance is under 12 chf a month, as you would expect it's not the same as something that costs 2,8% of salary.