Na podlagi sklenjenega avtomobilskega zavarovanja zavarovalnica poleg odškodnine za telesne poškodbe nudi tudi izplačilo odškodnine za utrpljene duševne bolečine.

Tukaj lahko za vas pridobimo tri vrste odškodnin:

 
Višina odškodnine je različna glede na vrsto duševnih bolečin, ne sme pa podpirati teženj, ki niso združljive z njeno naravo in namenom.
Višina odškodnine za primarni in sekundarni strah je seveda nižja kot višina odškodnine za duševne bolečine zaradi zmanjšanja življenjskih aktivnosti ali skaženosti, ta pa je nižja kot višina odškodnine za duševne bolečine zaradi smrti, ki je odvisna od čustvene navezanosti oškodovanca na umrlega in drugih okoliščin.

Izplačilo odškodnine za duševne bolečine zaradi smrti je možno ožjim sorodnikom umrlega (starši, zakonski partnerji, zunajzakonski partnerji, otroci, bratje in sestre, babice in dedki), če so živeli v istem gospodinjstvu in je med njimi obstajala trajnejša življenjska skupnost. Ožji družinski člani imajo poleg povračila nepremoženjske škode tudi pravico do povračila določenih vrst premoženjske škode.

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