When we talk about vehicle insurance, most people think of covering the vehicle itself. But what about you, the driver, or passengers? This is where Personal Accident (PA) Cover comes in.
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What is PA Cover?
Personal Accident Cover is a part of vehicle insurance that provides financial protection to the owner/driver of the vehicle in case of accidental death or disability while driving the insured vehicle.
In simple words: If you or your passenger get injured or die in a road accident, PA cover helps you or your family financially.
Who is Covered?
- The owner/driver of the vehicle.
- Optional: Some policies allow covering passengers as well (depending on add-ons).
What Does PA Cover Provide?
- Accidental Death: Compensation is paid to the nominee if the insured person dies in an accident.
- Permanent Total Disability: Full compensation if the accident causes permanent disability (cannot work).
- Permanent Partial Disability: Partial compensation for partial disability.
Most standard PA cover for vehicles is for ₹15 lakh, but you can opt for higher coverage by paying extra premium.
Why is PA Cover Important?
- Financial Security: Provides money to your family if an accident occurs.
- Mandatory for Some Vehicles: For commercial vehicles, PA cover for the driver is mandatory.
- Peace of Mind: You can drive without worrying about accidental financial loss.
Tips for PA Cover
- Always check the sum insured for PA cover.
- Make sure the nominee details are updated in the policy.
- For higher coverage, you can opt for additional PA cover.
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