- Author: Raymond
- Category: COMESA Yellow Card Insurance
How Kevin Can Claim for Bodily Injuries Under COMESA in Kenya
Kevin, a Kenyan citizen residing in Nairobi, was hit in Nairobi CBD by a Ugandan-registered vehicle insured in Uganda and covered under the COMESA Yellow Card Scheme.
Here’s what that means — and how he can pursue compensation.
Who Handles the Claim in Kenya?
When a foreign-registered vehicle causes an accident in Kenya and has a valid COMESA Yellow Card, the injury claim is handled locally in Kenya — not Uganda.
The responsible framework is the:
COMESA Yellow Card Scheme
In Kenya, it operates through the: Kenya National Bureau
The Kenya National Bureau is managed by: Kenya Reinsurance Corporation
They act on behalf of the Ugandan insurer to process compensation for third parties like Kevin.
So Kevin does not chase the Ugandan insurer directly — the Kenya National Bureau (under Kenya Re) becomes the local handler of the claim.
Step-by-Step: How Kevin Claims for Bodily Injuries
1. Obtain the Police Abstract
Kevin must secure:
- Police Abstract
- OB Number
- Confirmation of the Ugandan vehicle
- Indication of fault (if available)
This document anchors the claim.
2. Confirm COMESA Yellow Card Validity
The vehicle must have had:
- A valid COMESA Yellow Card
- Active cover on the accident date
Verification is done through police records and the Kenya National Bureau.
3. Seek Treatment & Gather Medical Evidence
Documentation builds the value of the claim. Kevin should keep:
- Treatment notes & discharge summary
- P3 Form
- Medical report
- Receipts & bills
- X-rays / scans
- Future treatment prognosis
No records, no strong claim.
4. Issue Demand Through an Advocate
A lawyer prepares and serves a demand letter to the Kenya National Bureau with:
- Medical evidence
- Police abstract
- Proof of negligence
5. File Suit in a Kenyan Court
Most COMESA bodily injury claims proceed through court:
- Suit filed in Kenya
- Kenya National Bureau defends on behalf of Ugandan insurer
- Medical evidence evaluated
- Court determines compensation
- Payment processed through COMESA system
What Kevin May Be Compensated For
Depending on injury severity:
- Pain and suffering
- Medical expenses (past & future)
- Loss of income / earning ability
- Permanent disability
- Emotional trauma (in some cases)
Critical Legal Points
Time Limit: Injury claims must be filed within 3 years in Kenya.
Scope: COMESA covers third-party victims only.
Reality: Court process may take time — patience + proper documentation wins.
The Journey in One Line
Accident → Police Abstract → Medical Evidence → Demand → Court → Judgment → Compensation via Kenya National Bureau (Kenya Re)
Need Guidance or Claim Support?
If someone like Kevin needs structured help — documentation, claim direction, or professional follow-up — reach out:
🌐 Website: www.imana.co.ke
📧 Email: insurance@imana.co.ke
📱 WhatsApp: +254 796 209 402
📍 Office: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
