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What is the Significance of Personal Accident Cover for Owner-Driver?

Published On Mar 03, 2021, Updated On Mar 14, 2021

A personal accident cover protects a car owner from expenses incurred due to any accidental injuries. To know more about the significance of personal accident cover for owner-drivers, read here.

A personal accident, also known as PA cover, is a facility offered by car insurance companies to the owner-driver of a car. The cover shields the driver-owner of the car against any accidental injuries. It offers you the much-needed compensation in case the owner-driver of the car suffers from bodily injuries, permanent disability, or death due to the accident.

As of January 1, 2019, the Insurance Regulatory And Development Authority of India (IRDA), unbundled the personal accident cover from car insurance policies. The main objective of the movement was to reduce the overall cost of ownership of the car. This is because previously, the coverage amount for personal accidents was between Rs. 1 Lakh and Rs. 15 Lakh, which became a burden on all the car owners.

It is not mandatory to have a bundled personal accident cover that most comprehensive car insurance policies come with. But, it is compulsory for every car owner to at least have a basic personal accident policy that protects you against disabilities, injuries, or death caused to self.

 What is the Significance of Personal Accident Cover for Owner-Driver?

Importance of Personal Accident Cover for Car Owner-Driver

Driving involves risk. Most often you do not know what is waiting for you at the next turn. God forbid, if caught in the unfortunate event of an accident, it would be hard for you or your family to cope with not only the stress of your health, but the stress to manage finances as well. Also, the situation could be worse in case you are the sole breadwinner of the family. So, it is wise to timely buy a personal accident cover to save yourself and your family members from trouble.

You would be relieved to know that you don’t need to buy a personal accident cover more than once. Neither are you required to renew it every year. It is a one time investment that saves you from the trouble of yearly policy renewals.

Benefits of Personal Accident Cover For Owner-Driver

Getting a personal accident cover can be really beneficial for car owners. Not because it saves you from uncertainties, but because it extends the much needed financial assistance in case of an accident. It keeps you adequately prepared against any adversities on the road. It protects you against medical expenses including hospitalisation expenses as well as expenses related to medicines, and other expenses arising due to the treatment required as a result of an accident. It also protects you monetary compensation if, god forbid, you end up suffering from a permanent disability as a result of an accident. Apart from this, a personal accident cover also extends financial support to your family in case the accident leads to your death.


Personal accident cover does not come with a standalone own-damage car insurance policy or even a standalone own-damage car insurance policy. However, the majority of car insurance companies offer personal accident cover with comprehensive car insurance policies. In case you still have any doubt related to personal accident cover for car owner drivers, then you can talk to the experts at InsuranceDekho.

Disclaimer: 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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