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All You Need to Learn About Personal Accident Coverage in Car Insurance


Written by Saad Ahmad

Updated Oct 18, 2023

All You Need to Learn About Personal Accident Coverage in Car Insurance

According to the Insurance Regulatory and Development Authority of India, if you don't already have one, you must get a Personal Accident Insurance Cover of Rs. 15 lakh (IRDAI). This coverage shields you from monetary obligations in the event of a car accident that causes injury or death. Accidents might render you permanently crippled, which would place a heavy financial and medical burden on you. Our personal accident coverage gives you comfort knowing that these costs are covered. In addition, in the case of death, the policy's nominee will get a full refund.

All You Need to Learn About Personal Accident Coverage in Car Insurance

Everything You Should Know About Personal Accident Insurance

You are shielded against monetary loss and various types of personal harm by an insurance policy, whether it covers an automobile or personal injury. A benefit for the owner-driver is the personal accident policy protection in a motor insurance policy. It is a required extension that the owner of the vehicle must purchase under Motor Policy, regardless of whether you select a Comprehensive Package or Third Party Liability Policy.

Personal Accident Insurance

You are safeguarded against physical damage or death as a result of a car accident by personal collision (PA) coverage in auto insurance. The protection is offered together with vehicle insurance, which functions much like general insurance in that it pays out cash. You can profit from the following things under personal accident coverage:

Complete and ongoing disability

In the event of total incapacity, you are entitled to the whole amount covered. As a result of a sad occurrence, this is paid to the insured.

Death by Accident

If the insured person passes away, the entire amount of the insurance is paid to the nominee.

Why Is Personal Accident Insurance Necessary?

Consider getting personal insurance to safeguard yourself in the event of an accident if you travel or work in a high-risk area. Additionally, if an injury prevents you from working, you can struggle to make ends meet. A PA cover serves as a safety net for you and your family, shielding you from unforeseen financial hardship. Everyone could benefit from having personal accident insurance.

A Personal Injury Claim's Eligibility

The insured or his or her legal representatives will be directly compensated under this insurance. To be insured, the owner-driver needs to adhere to the following requirements:

  • The insured vehicle's registered owner.
  • The insured listed as such on this insurance contract.
  • A person who complies with Rule 3 of the Central Motor Vehicles Rules and holds a current driver's license.

Add-Ons for Personal Accident Insurance

In addition to your insurance coverage, you may benefit from the Add-ons, which may include:

PA Protection for Paid Conductors, Cleaners, and Drivers

The insurance will reimburse you for physical damage to the insured vehicle that is brought on by a hired driver, conductor, or cleaner if you pay an extra charge.

Other Unknown Passengers Including the Paid Driver, Cleaner, and the Insured

The insurer agrees to pay benefits for bodily injuries sustained by passengers other than you and/or the hired driver, cleaner, or person engaged if you pay an extra premium.

Take Away

In conclusion, whichever personal accident insurance option you select, be sure to carefully read all of the terms and conditions to prevent being duped by any concealed or deceptive ones. Before you sign the contract, be sure you are getting all you paid for. To ensure that you have the finest insurance plan available, call your insurance provider as soon as you have any questions or concerns.

Also Read: Can I Claim Insurance for Car Scratches in India?


Written by Saad Ahmad

Saad is a marketing guru and has some exciting knowledge to share about the motor and related industry. Read More


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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