What is the cover of personal accidents?

 

What is the cover of personal accidents?

Read this article to understand what the personal accident cover is and why it is important for your car.

Accidents are unpredictable. Driving a car on Indian roads is a very difficult task due to traffic and small roads. If you are involved in an accident, it is very likely that it has caused damage to your car. Such damage usually leads to high repair costs. Having car insurance that provides you with maximum coverage is important if you want to avoid these expenses. Buying additional covers for your car insurance policy helps you get the maximum coverage you want. 

What is the cover of personal accidents? 

Personal accident covers are additional covers that you can add to your car insurance policy. This cover ensures the holder of the document of personal damages. This means that the policy will provide financial assistance for the damages incurred by the holder of the document. Accidents can cause serious damage. The Personal Accident Cover provides financial assistance for the treatment of any bodily injuries as well as the costs incurred to repair damage to the car. In the event of the death of the holder of the document, the candidate receives 100% compensation. Having this as an addition to your car insurance policy will prove very useful and give you peace of mind while driving your car. 

Why do you need to cover personal incidents?

Personal accident cover offers many advantages for the document holder. Not only is it mandatory, but also a necessity that will protect you from financial obligations that are the result of getting involved in an accident. Here are the reasons why you need pa coverage- 

Mandatory in India

Owning a personal accident cover is mandatory to drive your car legally in India. The lack of PA cover in your car insurance policy can lead to imprisonment and even heavy fines if pulled aside by traffic police. 

Financial assistance in time of need 

Accidents can be stressful events. Arranging funding at that time could make it more frustrating and nerve-racking. Having PA coverage with your car insurance policy will give you financial reassurance by securing the amount you must spend for medical and repair purposes. This will make dealing with the incident simpler for the holder of the document. 

Financial assistance if it disappears 

Some major incidents may lead to the tragic demise of the holder of the document. In such cases, the candidate mentioned in the policy can claim insurance and receive 100% compensation. The policy will also take care of the family's financial needs if there is no other income. 

What is covered by personal accidents? 

PA coverage provides coverage in the case of the following cases- 

The insurance covers the costs incurred to repair damage caused by the collision of the vehicle. 

The Palestinian Authority also covers the medical expenses it incurs to treat any injury caused by the accident. 

In the event of any permanent disability, the insured is obliged to receive 100% compensation. 

If the holder of the document loses the vision of one eye or one party, the insured will receive 50% of the insured amount. 

The insurance will also cover the paid driver, cleaner or conductor and passengers at an additional premium. 

What is not covered by the occasional personal cover? 

Although there are many benefits that come with PA coverage, there are circumstances in which your claim may be rejected. Here are the cases where your PA cover is not secured-

Any activity deliberately intended to cause self-harm. 

Death or disability resulting from poisoning. 

Death or disability that is the result of adventurous activities. 

Pre-existing medical conditions. 

Any incident caused by illegal activities or any injuries sustained when the holder of the document drives illegally. 

Take away

Unpredictability of accidents is a major reason why you should make sure you buy a car insurance policy that gives you maximum coverage. Make sure you buy the right plugins that meet your requirements and drive safely. 

Read also 

What are you doing shortly after a car accident?

Claim for car insurance after an accident

Disclaimer: This article is published in the public interest and is intended for public information purposes only. Readers are advised not to rely on the contents of the article as crucial in nature, and further research or expert consultation should be conducted in this regard.