All you Need to Know About the Personal Accident Cover in Car Insurance.

 


A car accident, when it occurs, has the potential to damage not only your car but also leave you injured as well. With car accidents becoming a common occurrence, protecting yourself along with your car becomes critical. This is where a personal accident insurance cover comes into the picture. A benefit-based policy, it provides coverage to the car driver in case of disability or death caused due to a car accident. As per the India Motor Tariff, 2002 it is legally necessary to have a personal accident (PA) cover if you want to drive your car on Indian roads. Insurers offer PA cover along with their third-party car insurance policies as well as comprehensive policies. 

Different scenarios in which PA cover offers coverage 

In case of a permanent disability - If a car accident leads to the car driver developing a disability of a permanent nature that can cause lifetime impairment, the car insurance provider is liable to pay a certain amount of the sum insured to the policyholder as mentioned in the policy.

In case of temporary disability- If the policyholder suffers damages that lead to temporary disablement, during a car accident, then the car insurance provider is responsible for paying financial aid at regular intervals as mentioned in the policy.  


Original Content :- All you Need to Know About the Personal Accident Cover in Car Insurance.


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