Personal Accident Plans

I did a search on e-scooter accidents and it shows there are at least 4 such accidents in April alone.

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May you be a e-scooter rider or a pedestrian, both will suffer physical and financial pain should an accident happened. The pedestrian obviously will be injured with bruised or cuts. If the injuries are serious, he may be hospitalised. The injuries may also not be severe enough to be hospitalised and a dressing or casting may be able to treat the patient. In such case, it will be a financial pain on top of the physical pain he is already suffering. Most people will demand compensation from the e-scooter rider but we have seen that it can take sometime to identify the rider i.e. if we ever did. We also cannot assume the rider can afford to pay as the riders are just students or teenagers in some of the cases. The real challenge is the ability and the willingness to pay. What if the rider is an irresponsible person who just refuse to pay a cent?
accidentFrom the point of rider, you can get injured as well. On top of that, the casualty can go after your for the medical bills and other damages. Do you have that ability to handle such a situation of issuing a “blank cheque”?

If some of these thoughts ever go thru’ your mind either as a pedestrian, an e scooter rider or even a cyclist, what have you done to have a peace of mind?

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If you have not do anything excepting thinking and worrying, here is a little solution. You may want to look into a personal accident plan that covers mainly two things.

1) Medical expenses
2) Public Liability

Medical expenses will take care of the medical bills incurred from an accident. It usually covers Traditional Chinese Medicine, Chiropractor fee and Physiotherapy.

If you are a rider or cyclist, Public Liability will come in useful if the casualty wants you to compensate the damages.

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