Case study
Case study
Case study
Priya drives about fourteen thousand miles a year, half of it delivery work. When we placed her policy we recommended uninsured motorist cover at the same limit as her liability, and rental reimbursement on top. Both add a small amount to a premium and both are commonly declined.
In January she was stopped at a junction when a van hit her from behind. The other driver’s policy had lapsed six weeks earlier.
The Insurize solution
The policy had been written to answer exactly this situation.
Uninsured motorist cover at a real limit
Not the state minimum, but the same limit as her liability cover. It answered for the vehicle repair and for the medical costs of a neck injury that needed physiotherapy.
Personal injury protection
Paid the first medical bills immediately, without waiting for fault to be established. That mattered more than the amount: it meant treatment started in week one.
Rental reimbursement
A hire car within twenty-four hours. For a courier, being off the road is the expensive part of a collision, and it is the part the vehicle repair estimate never shows.
Business use declared correctly
Delivery work had been declared when the policy was placed. Undeclared commercial use is one of the more common reasons an auto claim is refused outright.
Results and impact
The claim was reported the same afternoon using photographs taken at the scene and the police incident number. The vehicle was assessed in three days, repaired in seven, and the claim closed in eleven.
Priya paid her deductible, which the insurer is now pursuing from the other driver. Her medical costs, her hire car and her repair were all met by her own policy — not because the accident was her fault, but because her policy did not depend on someone else having insurance.
What made it fast:
- Photographs of both vehicles, the junction and the other plate, taken at the scene
- The incident reference obtained the same day
- Business use already on the schedule, so no coverage question to resolve
Conclusion
Uninsured motorist cover is the line most drivers decline and the one most likely to be needed. It costs a small fraction of a liability premium, and it is the only part of an auto policy that protects you from other people’s decisions.
