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Personal Accident Cover for Car Insurance Policies

By Juhi Walia
23 September 2022, 3:11 PM

Your auto insurance policy protects you against injury or death caused by a motor vehicle accident when you purchase personal accident protection along with your car insurance

In some accidents, you may become permanently disabled, which leaves you with a heavy financial and medical burden. Knowing that this personal accident rider covers these expenses, you can have peace of mind. As a result, the nominee named in the policy will receive 100% of the proceeds in case of death.

There are several benefits to owning or driving a car with a PA cover.

  • A Personal accident cover is your best option when you want to protect yourself from accidental injuries.
  • If you are injured while driving your car, your auto insurance policy will provide financial assistance, including hospitalisation and treatment fees.
  • In the case of a permanent disability caused by an accident, it will also provide you with monetary compensation.

This post will look at personal accident coverage in more detail.

PA Cover for Car Passengers

Some car owners do not cover their passengers. In that case, they need to pay for treatment of passengers should they get injured in an accident. However, if your car is insured under the PA cover, the passengers will be covered for damages caused due to an accident involving your vehicle.

The PA cover for car passengers is typically an optional add-on to most insurers' standard private insurance policy.

PA Cover for Owner-Driver

A PA cover is compulsory for owner-drivers of all vehicles - cars, trucks, vans and motorcycles. However, it is not mandatory for paid drivers, and it is also not compulsory for car passengers.

This cover is compulsory for all car insurance policies issued by any insurer or broker in India or abroad. It also applies to third-party car insurance policies issued by private insurers against third parties. 

PA Cover for Paid Driver

A PA cover for the paid driver is an important part of a comprehensive car insurance policy. It protects against liability in case of an accident involving your vehicle and its driver. 

The PA cover for the paid driver will compensate up to INR 15 lakhs if you are injured due to an accident caused by another vehicle while driving your car on the roads.

Personal Accident Cover: Benefits and Premiums

The PA portion of your car insurance policy covers your medical expenses, rehabilitation period and other costs associated with an accident or injury sustained during a road journey or any other activity you undertake on land.

It also includes compensation if someone else causes your injuries while driving/riding in their vehicle with/without passengers in it; this includes hit-and-run cases, accidents involving pedestrians, etc. 

Inclusions Under Insurance Coverage for Personal Accidents 

The benefits covered by the policy in case of accidental death and permanent total disability include:

  • Nominees will receive 100% of the insured amount in the case of the death of the owner-driver.
  • The sum insured will be paid out if the insured becomes permanently disabled.
  • Should the insured lose both limbs, both eyes, or both eyes and one limb, 100% of the sum insured will be paid to them.
  • The owner-driver will receive 50% of the sum insured if they lose sight of one limb/eye.
  • A premium increase ensures coverage of paid and unnamed drivers, cleaners, and conductors.

What is the Claim Process?

Owners, drivers or nominees of the respective four-wheeler or two-wheeler are eligible to claim under the personal accident policy. Policyholders strive to ensure that their beneficiaries (as specified in their policies) receive the maximum benefit.

A claim must be filed if the owner-driver is injured and entitled to benefits under the PA cover. The instructions for filing a claim are as follows: 

  1. Let the insurer know about the incident and the resulting loss.
  2. An FIR must be filed at the nearest police station. To process the claim, this document is crucial. A witness who can confirm the occurrence of the claim should be arranged if possible.
  3. Provide photographs of the car accident (if applicable) and fill out the claim form with the insurer.
  4. The insurers will verify the details after you submit all the documents online.

A nominee will file a car insurance claim if the owner-driver passes away. As per the policy, the claim amount will be awarded to them.


Personal accident cover is valuable for drivers and passengers of cars in India. The benefits of this cover are numerous, including compensation for medical expenses, pain and suffering, loss or damage to clothes or other belongings, and reimbursement of funeral expenses.

Also, you may receive economic assistance from the insurer if you cannot work due to an accident so that your family doesn't suffer financially by paying your bills or debts.

Read more -


1. Is a PA cover mandatory in car insurance?

Having a PA cover for your car is mandatory in India. The importance of this cover cannot be overstated. If you are purchasing a comprehensive car insurance policy or a third-party liability policy, you need to purchase it. Legal action may be taken against you if you do not have a personal accident cover.

2. What happens if I don't have a PA cover?

It is the owner of the vehicle who is responsible for obtaining the PA policy under motor insurance. Without PA cover, you risk getting fined by the traffic police. Drivers with valid licenses are eligible for the coverage. When you buy your car insurance, you can choose a PA cover if you don't already have one.

3. Is personal accident insurance useful to you?

You and your family can benefit from personal accident insurance in case of medical expenses or income loss due to permanent disability.

4. Is PA cover mandatory for multiple vehicles?

Owners of multiple vehicles can now purchase a single personal accident cover from the Insurance Regulatory and Development Authority of India (IRDAI).

5. How long is the PA cover valid?

For owner-drivers, the PA coverage is usually for a year. 

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