The nation was shocked about the incident that happened on 19th September 2020 where a woman was inches away from certain death but managed to escape with an injured left hand when a concrete slab from the construction of the Sungai Besi-Ulu Klang Elevated Expressway (SUKE) fell and hit her car.
Attached below is the visual of the car that was damaged from the incident mentioned above.
This can look scary but proper measures should be taken by the authority to prevent any untoward incidents. Workers should be professionally trained to conduct consistent monitoring on the safety aspects and to identify any potential hazards to avoid unanticipated incidents.
We have compiled some of the construction incident mishaps that took place from the year 2014 to 2019. Take a look on the timeline below to get updated on the incidents that happened.
Imagine, what happens if you are not covered in either car insurance or personal accident insurance? You would then need to bear the losses that were incurred to either your vehicle or injuries or both. Accidents are unforeseeable and may be financially draining to anyone due to the large amount of money that would have to be incurred for the repair and replacement costs for the cars and also due to the high medical costs.
Getting yourself covered under insurance is really important. Insurance is tricky as it is not the same as buying furniture or groceries. As the saying goes, when you are buying insurance, you are buying a promise. Do bear in mind, that insurance will help to protect you from the unexpected incidents. Definitely, buying insurance is something you would not regret.
Try to recall back for a moment, you may reminisce about a scene where a cupboard falls out from someone’s condominium several floors up onto a car. This is something rare but a very good example of a falling object. In most cases, you cannot avert a falling object from striking onto a car. Due to the reason, most of the car insurance coverage provides this protection to get yourself covered.
Nevertheless, comprehensive car insurance is the most common type of coverage for falling objects. This type of insurance will cover the damage to the car from an accident that you are not responsible for. Comprehensive car insurance includes fires, theft and vandalism. There is no option for you to prevent this risk from occurring as it is sudden and unexpected.
Do you have any idea on what qualifies as a falling object?
A cupboard falling out from someone’s condominium onto a car is impossible but it is possible for other items to fall onto your car. For instance, a rock or even a piece of slab from the construction site can fall onto your car as you pass under it. In fact, most of the auto insurance plans cover damage from debris that falls out from the space. Therefore, common falling objects include trees, objects dislodged from a storm, debris from buildings or objects from the construction site.
There are restrictions to comprehensive car insurance. If your policy only includes the basic liability coverage, you may not have the protection from the falling objects. Additional charges would have to be included if you would like to add this coverage into your policy. This coverage would be suitable if your car is more prone to this type of scenario. You would still have to pay for your deductibles if this type of incident occurs.
Before considering purchasing a comprehensive car insurance policy, you have to bear in mind that this policy suits best for those who own vehicles that have not exceeded a certain age limit. For instance, old cars do not require or even qualify for this coverage. If you own a relatively valuable and a pricey car, then comprehensive car insurance would be a great choice for you.
Although comprehensive car insurance is considered to be pricey compared to the other car insurance coverages, it is known as a money-smart option if you have decided to purchase this coverage.
How about the injuries that you have suffered from this incident? Any idea on which type of coverage it falls under?
Definitely, it would be a personal accident insurance. Personal accident insurance protects you from injuries, death and even permanent disabilities. It serves as a financial backing when you are in either of the situations mentioned. This policy would pay out if you suffer from serious injuries or death as a result of an accident.
You should bear in mind that this policy will not be effective if you die or get injured due to natural causes such as disease and sickness. Personal accident insurance would cover the person from sudden, violent and unanticipated incidents in the workplace or elsewhere. In brief, this coverage will cover you from the injuries that you have suffered from the construction mishaps.
Needless to say, you should always take the necessary precautions in order to avoid such circumstances. Avoid construction areas as much as you can, especially those areas that are prone to accidents. Avoid parking your car under dangling items and be attentive with the surroundings at all times. Also, get yourself updated with the history of the areas that previously experienced these circumstances. Taking public transport can be one of the options as it is faster and safer.
As the saying goes:
At the end of the day, always be prepared for life’s uncertainties and now you know why you should. To know more about car insurance or personal accident insurance do check out our website or give us a call – we are always ready to help.