Personal accident insurance in Italy: future perspective

In Italy, over the last decade, the accident insurance policy has made undeniable progress in terms of biology and jurisprudence, in relation, respectively, to the modifications to risk delimitation and the abolition of illegal or unconscionable clauses. Yet to be overcome are the medical-legal frontiers of the evaluation of damage in private accident insurance; in this context, particular attention must be given to the object of tutelage and the criteria for entitlement to compensation. Problems such as biological, aesthetic, and psychological injury, the pre-accident status, concomitant causes of injury and disability, and the mathematical sum for multiple injuries due to a single cause must be resolved through contractual redefinition, rather than mere adaptation of the medical-legal evaluative method to the details of the policy.