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.
There is no maximum sum for different types of compensation payable for personal injuries. Instead, the compensation is paid corresponding to the actual injury.
For example the fees for outpatient clinics, hospitals, physiotherapy, inpatient rehabilitation, physicians, medicines, bandages as well as X-rays and laboratory tests may qualify for compensation. Travel expenses for visiting a physician or a hospital are also compensated for.
The injured person is compensated for the actual temporary decrease of income. Determining the amount of compensation requires
- a medical report stating the type of injury, the period of being incapable of working and
- the employer's report on the earnings before the injury, during the period of being incapable of working, and after it.
If the injured person's graduation or completion of training to qualify for a post or occupation has verifiably been delayed due to the traffic accident, compensation is also paid for the delay in earnings.
Compensation for aches, pains and other temporary harm is payable for aches, pains and functional disorders caused by the injury until the injury has healed or the state of heath otherwise stabilised. The Traffic Accident and Patient Injury Board has a rating system for injuries based on their severity. Compensation for aches, pains and other temporary harm is influenced by the type and severity of the injuries, the type of care required by the injuries, and the duration of recovery.
Compensation for permanent incapacity compensates the injured party for the general functional disorder suffered.
The amount of compensation is affected by the type of injury and the resulting category of handicap; the person's age at the moment of the accident, and in some cases a particular deterioration of quality of life due to the injury. According to the severity, injuries are classified in 20 handicap categories based on Decree 1649/2009 by the Ministry of Social Affairs and Health.
Compensation for permanent cosmetic defect is payable for a permanent impairment to a person's appearance, such as a scar formation, caused by the injury. The amount of compensation depends mainly on the type, extent and location of the injuries and the person's age at the time of injury.
A care allowance may be payable to an injured person who is permanently dependent on another person's care. The amount of care allowance depends on the severity of the condition caused by the traffic accident. The scale of severity is specified in the care allowance classification of the Traffic Accident and Patient Injury Board.
Motor liability insurance may compensate for vocational rehabilitation measures. The purpose of vocational rehabilitation is to assist the injured person in his/her return to working life and to support coping with work in spite of the limitations caused by the injury. The measures qualifying for compensation may be diverse, such as training for a new vocation or various support actions.
If the injury causes permanent disability, the injured person is entitled to disability pension paid by motor liability insurance. Before granting the disability pension, the injured person's possibilities for returning to working life with the help of vocational rehabilitation are investigated, however.
The persons dependent on the support of a person killed by in a traffic accident are entitled to reasonable compensation for loss of support (survivors' pension). The amount of survivors' pension covered by a motor insurance policy depends, among other things, on the earnings of the deceased and the widow/widower, and by the size of the family.
Reasonable costs arising from the burial of a deceased person are compensated under the motor liability insurance. The expenses are compensated to the amount of actual costs at most. Compensable costs can arise, for example, from purchasing a coffin, an urn or a tombstone, acquiring a burial plot and from organising a funeral ceremony or a reception.