Compensation of personal injuries

Motor insurance has no upper limit for the compensation of personal injuries. For example, compensated damages include medical treatments and indemnity for disability and loss of income.

Accidents on rental e-scooters are an exception to the above. In their case, the user (driver) of the e-scooter is only compensated for medical treatments. Personal injuries suffered by others are compensated according to the standard, more extensive coverage.

The Motor Insurance Act will be revised in 2024. The changes will take effect on 1 June 2024. The legal reform is based on the national implementation of Directive (EU) 2021/2118 (“Motor Insurance Directive”).

More detailed instructions for determining the compensation for personal injuries are available in Finnish at the website of the Traffic Accident and Patient Injury Board.