Accident insurance

Accident insurance is insurance cover that you or your family have purchased from an insurance company. It may also be the case that you are insured in a collective scheme via your employer, a trade union or a sports club.

Accident insurance policies can have different levels of cover. Some are valid 24 hours a day and worldwide, others are limited to certain countries and some require overnight stays or travelling. It is important that you are aware of which insurance cover you buy.

In order to receive compensation, you must have suffered an accident, i.e. an external circumstance that has led to permanent personal injury. Illness is not considered an accident.

There are also exceptions for suicide and for mental illness as a result of the accident. The exceptions are stated in the insurance terms and conditions.

Risky activities such as skydiving, climbing and the like are not normally covered unless you have taken out additional insurance for such activities.

Accident insurance is relevant in connection with most accidents, for example leisure accident, occupational injury, traffic accident, boating accident and plane crash.

By permanent medical disability after an accident, accident insurance is paid as a lump-sum payment based on a medical degree of disability according to disability table, and in relation to the agreed sum insured.

The degree of permanent disability is determined by a medical specialist in a specialist declaration in the same way as when assessing compensation for loss of earnings in liability cases.

The degree of permanent medical disability determines how much compensation you receive after an accident. For example, if you are declared 25 per cent permanently medically disabled by a doctor and the sum insured is NOK 1 million, you will receive NOK 250,000.

Accident insurance can also be paid out in the event of death.

Treatment expenses are also covered for a period after the accident, normally limited to three years. There may also be a limit on the amount of treatment expenses in the insurance terms and conditions.

Why should I choose Advokatfirmaet Halvorsen & Co?

Over almost 30 years, our clients have received several billion kroner in compensation.

If you are claiming compensation for permanent medical disability and the insurance company requires the injury to be assessed by a medical specialist, you should contact us before the company chooses which doctor to use. The choice of specialist may be decisive for your case.

We always offer a free consultation about your compensation case. Get in touch with us today.