Freak Uhuru Highway Crash Raises Insurance Question

  • ​A marabou stork that crashed into the windscreen of a vehicle.
    ​A marabou stork that crashed into the windscreen of a vehicle.
    Twitter
  • For the better part of the week, pictures of a large bird - a marabou stork that crashed into the windscreen of a vehicle along Uhuru Highway made rounds on social media.

    The accident was a rare occurrence on Nairobi roads despite the existence of huge scavenger birds that nestle on the thorn trees along the road and have effectively adapted to living in Nairobi.

    The marabou stork which can grow to a height of 152 cm and a weight of 9 kg have not been the cause of road accidents in the recent past.

    The marabou stork that crashed into the windscreen of the vehicle.
    The marabou stork that crashed into the windscreen of the vehicle.
    Twitter

    Upon photos of the incident emerging online, users queried the process of compensation in the event of such a freak accident.

    "If you are caught in traffic on Uhuru Highway then a bird breaks ur windscreen, will your Insurance company pay?" one user posed.

    An insurance agent who spoke to Kenyans.co.ke explained that the owner of the vehicle would be compensated and have the windscreen replaced under the comprehensive cover.

    "The windscreen is covered under a comprehensive cover and the owner just needs to file a claim with the insurance company. He needs to explain what exactly happened, which in this case is a bird fell on the windscreen," the agent added.

    However, the third-party cover does not have the same provision for compensation.

    The owner of the vehicle may get compensated for the windscreen depending on limits set by the insurance company which may range between Ksh20,000 and Ksh50,000.

    It may seem unusual but it falls under the category of an accident," the agent added. 

    A marabou stork that crashed into a vehicle's windscreen along Uhuru highway.
    A marabou stork that crashed into a vehicle's windscreen along Uhuru highway.
    Twitter

    In the event, the occupants of the vehicle were injured in the accident, the comprehensive cover will apply for passengers who are not members of the same family as the driver.

    "Here, the owner should have a personal accident cover for himself/ herself and family members as well to be covered," the insurance representative elucidated.