Understanding that even passengers can sometimes be victims of an accident, insurance companies offer passenger cover to cover the passengers of the insured car.
Accidents can happen anytime, causing damages, disability or even death in some cases. Insurance Regulatory and Development Authority of India makes it mandatory for the vehicle owner to avail of a personal accident cover that protects the owner-driver in case of death or temporary or permanent disability. There are also options available to insure any driver using the car and also passengers. Read on to know in detail about driver and passenger cover in car insurance.
What is Passenger Cover in Car Insurance?
A standard car insurance policy does not provide coverage for passengers travelling in the insured vehicle. In case of an accident, there is a possibility of the passenger getting injured or disabled. In some cases, the accident can also lead to the death of the passenger. Insurance companies provide coverage to passengers at an additional premium. With this type of cover, you can insure up to 3 passengers, covering the medical bill, and permanent or total disability. The cover also provides compensation up to Rs. 2 lakhs in case of the death of the passenger.
What is the driver cover in car insurance?
Personal Accident Cover for Owner Drivers
Driver cover in car insurance is personal accident cover that protects the owner-driver against accident-related injuries; it also provides compensation to the nominee in case of unfortunate death of the owner-driver due to an accident. PA cover also provides coverage against disability caused due to an accident.
Personal Accident Cover for Paid Drivers
You buy a car and hire a paid driver to drive it. To provide coverage to the paid driver, you can opt for PA cover for him by paying an extra premium. Coverage is provided only to the driver mentioned in the policy. Apart from the said driver, the coverage cannot be extended to another driver driving the car.
Personal Accident Cover for Unnamed Passenger
As the owner of the car, it is your responsibility to ensure the complete safety of the passengers travelling along with. You are liable to pay for the injuries that may be caused to the passenger in case of an unfortunate accident. You can insure the lives of the passengers by availing of PA cover for unnamed passengers. It is important to note that there should not be more than a legally authorized number at the time of the accident.
A standard car insurance policy does not offer coverage to passengers. In case of an accident, there is a high probability of a passenger getting injured or even killed. Opting for a passenger cover gives the driver peace of mind and also ensures complete protection for the passenger. This way, the vehicle owner can ensure that even if the car is covered, the driver is covered and so is the passenger. With this, it is also important to note that driver and passenger cover does not provide coverage in case the accident is caused due to the influence of alcohol or is a result of a suicide attempt.
Also Read: Car Insurance Background Check in India: Why & How?
