Car Insurance Coverage for Drivers and Passengers

Car Insurance Coverage for Drivers and Passengers

Accidents can happen at any time. Any accident that you get into will cause some kind of damage. Apart from the damage to your vehicle, an accident can also cause bodily harm. Many accidents result in injury, disability, or death. The Insurance Regulatory and Development Authority of India mandates that vehicle owners take out a personal accident cover that protects the owner and driver in the event of death or temporary or permanent disability. You can also insure the passengers travelling in your vehicle. For more information about car insurance coverage for drivers and passenger, read on.

What is passenger cover in car insurance?[AP1] 

Standard car insurance does not provide cover for passengers travelling in an insured vehicle. Passengers may be injured or disabled in the event of an accident. In some cases, the accident can even lead to the death of the passenger. Hence, a passenger is often not compensated for any damages that they receive. In response to that, some insurance companies cover passengers in exchange for additional premiums. This type of coverage allows you to insure up to 3 passengers, and cover medical expenses, along with compensation for permanent or total disability. The cover also provides compensation of up to Rs. 2,00,000 in case of the death of a passenger.*

Benefits of passenger coverage

Being a car owner means that you have certain responsibilities towards the occupants of your car. Comprehensive car insurance coverage is extended by adding passenger compensation to the base contract when purchasing car insurance. The advantages of using a passenger cover are:

  • Coverage for all medical expenses related to the treatment of accidental injuries.
  • Financial assistance to family members in case of the death of a passenger.
  • Reduction of any financial liability you may face due to the risk.

* Standard T&C Apply

What is car insurance driver coverage?

  • Personal accident coverage for owner drivers

Car insurance driver coverage is personal accident coverage that protects the owner and driver against injuries caused by an accident. Also, in case of the unfortunate death of the driver, the driver pays compensation to the candidate. PA insurance also provides coverage for disability caused by an accident. While it raises car insurance prices, it is an extremely essential coverage that you should have. *

  • Personal accident coverage for paid driver

You may buy a car and hire a paid driver to drive it. To provide coverage for paid drivers, you can opt for PA coverage for an additional premium. Compensation is provided only to the drivers named in the policy. With the exception of the said driver, coverage cannot be extended to any other driver driving the motor vehicle. *

  • Personal accident coverage for unnamed passengers

As a vehicle owner, it is your responsibility to ensure the complete safety of passengers travelling with you. In the event of an unforeseen accident, you are responsible for any damage that may have occurred to your passengers. PA coverage for unnamed passengers can save a passenger’s life. It is important to pay attention to the fact that the legally allowed number should not have exceeded at the time of the accident.

Standard car insurance does not cover passengers. In the event of an accident, passengers are more likely to be injured or killed. Choose a passenger cover to give your driver peace of mind and fully protect your passenger. In this way, vehicle owners can ensure that drivers and passengers have dedicated coverage in addition to having the vehicle covered. Since this coverage is an add-on, you will need to pay an additional premium for it. To ensure that the rise in premium doesn’t put the policy out of your budget, use a car insurance premium calculator before you buy the coverage. *

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.


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