• By Raymond Momanyi

Jonte’s Friday Crash: When Private Insurance Meets Public Risk

Jonte is a hardworking mechanic from Ruaka. Every weekday morning, his little motorcycle carries him faithfully from Kiambu to the grease and grind of Kirinyaga Road. But he also has a dangerous habit — carrying random passengers on his privately insured bike. To him, it feels harmless: a lift for a neighbor, a “blessing” after church. But one Friday, this shortcut became his biggest nightmare.

On the road, a reckless matatu swerved toward him. In a split-second attempt to save himself, Jonte turned left, slammed into a roadside pavement, and everything went black. He was injured, his motorcycle wrecked, and his passenger — a random woman he had picked near Ruaka — tragically died on the spot.

And this is where the real story begins.

🚓 Police & Arrest

When an accident leads to death, the police get involved immediately. Jonte will not walk away free just because the matatu sped off. Since he was carrying a passenger illegally (remember, his insurance is private, not PSV boda boda), he may face:

• Careless or dangerous driving charges
• Causing death by dangerous driving (a serious criminal offense)
• Riding contrary to insurance terms (using private insurance for commercial purposes)

Yes — he will likely be arrested, booked at the police station, and possibly spend nights in cells until his case is mentioned in court.

⚖️ The Court Process

Jonte’s file will land at the magistrate’s court. Here’s what plays out:

• Traffic charges: The police may charge him for negligence.
• Civil liability: The deceased’s family may sue Jonte for compensation.
• Insurance violations: His insurer can deny covering the claim, since he breached policy terms by carrying a passenger illegally.

This is not just a fine-and-go scenario; it could drag for months.

🕊️ The Passenger’s Family

The tragedy hits hardest here. Losing a loved one suddenly — in a crash where the rider technically wasn’t authorized to carry passengers — creates bitterness.

• They will demand compensation for funeral expenses and loss of life.
• If they pursue it legally, Jonte may personally shoulder liability because his insurance won’t pay out for this death.
• They could involve civil suits, adding financial and emotional weight on Jonte’s shoulders.

🏍️ The Insurance Claim

Here’s where it gets messy:

• Jonte’s private cover only protects himself for personal errands. It doesn’t extend to fare-paying passengers.
• Since he breached policy terms, his insurer will reject any liability for the passenger’s injuries or death.
• His bike damage? Not covered either (unless he had comprehensive — and even then, insurers can still refuse on grounds of misrepresentation).
• The deceased’s family? They will get zero from his insurance.

Instead, Jonte could be personally liable for millions in compensation.

⚠️ Jonte’s Negligence

Let’s be real: this wasn’t just bad luck. Jonte’s repeated decision to carry passengers illegally exposed him.

• He knew private cover does not allow boda boda business.
• He knew every passenger added risk.
• Yet he ignored it — and now he’s facing both criminal charges and personal financial ruin.

It’s harsh, but negligence here doesn’t just mean “bad driving” — it means knowingly breaking insurance rules.

🌍 The Bigger Lesson (And Where Imana Insurance Steps In)

At Imana Insurance Agency Kenya Ltd, we’ve seen countless cases where one small decision turns into a lifelong financial burden. The reality is this:

👉 If you’re carrying passengers, get the right PSV Boda Boda Insurance Cover. It’s affordable, legal, and it protects you and your passengers.
👉 If you have private cover, stick to it. Don’t risk turning into Jonte.
👉 Always understand the terms of your policy. Insurance isn’t just about the sticker — it’s about responsibility.

Whether it’s motor, health, or life cover — compare, buy, and save with Imana Insurance before life throws you into a courtroom.

📍 4th Floor Krishna Centre, Woodvale Grove, Westlands
 📲 WhatsApp: 0796 209 402 | 0745 218 460
 🌐 Visit: www.imana.co.ke | www.mykava.co.ke

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