Why is personal accident cover important?

While responsible drivers do everything they can to drive safely, sometimes accidents are unavoidable.

It's better to plan for the unexpected rather than ignore the risk altogether. Personal accident cover offers financial compensation for a range of injuries to help you and others recover. A comprehensive Hastings Direct or Hastings Premier policy includes £5,000 and a comprehensive Hastings Essentials policy includes £1,000 of personal accident cover for you and your spouse / partner as standard. Enhanced personal accident cover provides a greater level of cover for you and your passengers in the event of a car accident.

Common injuries

The severity of injuries depends on lots of things, for example speed, seatbelt use, what the car made contact with, and the safety features of the cars involved.

According to road safety charity Brake, the most common injuries sustained from car accidents are:

Facial injuries

These could include cuts or punctures to the skin, broken bones (such as noses and jaws), and eye injuries resulting in blindness or partial blindness.

Spinal injuries

Road accidents account for the largest cause of spinal cord injuries on a global scale. During a car accident it's possible for spinal nerves below the area of injury to become partially or fully cut off from the brain, which can lead to paralysis of limbs or areas of the body.

Head injuries

Around one million people visit A&E departments every year with a form of brain trauma and road incidents account for 40-50% of all brain injuries. Those suffering from head trauma sometimes find their memory or speech is affected.

Limb loss

Serious incidents can also result in the loss of an arm or leg, which can seriously affect quality of life for the sufferer.

Hastings Direct enhanced personal accident cover

We offer enhanced personal accident cover, which provides additional and increased benefits for you and up to six passengers.

Full terms and conditions can be found in our additional products booklet.

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