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Personal Accident Cover Car Insurance, as its name implies, guards against the possibility of physical injury or loss of life brought on by an accident. Similar to general insurance, which provides financial compensation, the coverage is provided simultaneously with car insurance.
Accidents may render you permanently incapacitated, which would place a significant financial and medical burden on you. You can feel at ease about these costs with the help of this personal accident coverage. Additionally, the policy's nominee will be compensated in full in the event of death.
The following features of coverage are available under Personal Accident Cover Car Insurance:
If you travel or work in an environment that is particularly risky, you may decide to choose personal insurance coverage due to an unexpected accident. If your injuries prevent you from working, you can even find it difficult to make ends meet. A PA cover ensures that you and your family are protected in the event of financial difficulties. Certainly, everybody can benefit from having personal accident insurance.
Eligibility for a Personal Accident Cover Car Insurance Policy Claim:
Benefits under this policy must be paid directly to the insured or his or her legal representatives. This coverage is contingent upon the owner-driver meeting the following requirements:
Personal Accident Cover Add-Ons:
In addition to your insurance coverage, you may benefit from the following Add-ons:
The following are some perks and benefits of this insurance coverage:
The coverage covers accidental death and total permanent disability, including:
Q1. What is the entire amount of compensation under the personal accident cover in motor insurance?
For anyone purchasing motor insurance, the Insurance Regulatory and Development Authority of India (IRDAI) has mandated a PA cover of Rs. 15 lakh.
According to the most current IRDAI rule, you only need to purchase one policy and cover accident insurance for all of your vehicles.
The use of add-ons, such as covering for your hired driver, cleaner, or conductor as well as nameless passengers, is permitted. The Add-ons, however, come with an additional charge.
Below are the case-specific documentation and information needed to file your claim when claiming the sum covered in the event of an unfortunate event:
1. Policy ID.
2. The insured's name and phone number.
3. The accident's date and time.
4. The accident's site.
5. A description of the incident, including how much was lost.
6. Certificate of death and post-mortem.
7. Reporting First Information (FIR).
8. Hospital bills and medical records.
Yes, as long as you choose separate auto insurance as a standalone PA plan, you are free to stick with your current insurance provider or choose a better alternative based on your needs.
Long-term Personal Accident (PA) coverage is not required; if you don't already have one, you can choose to purchase a one-year Compulsory Personal Accident (CPA) policy instead.