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Personal accident cover in car insurance explained

Posted by Royal Sundaram on 10 Oct 2017

Personal accident cover in car insurance explained

An accident is an unforeseen event. One whose impact is devastating not only for the individual involved but on his or her family and loved ones as well. Imagine a young professional, the only earning member of a family, working diligently for the family. One day the family is informed of the youngster’s death because the car lost control. Think of the family’s plight. Not only do they face an emotional trauma for a lifetime but a bleak future, one without anyone to support them.

If you are one such young professional with dependents and drive a car, it’s a must for you to purchase a car insurance plan which comes with a personal accident cover.

The question that begs to be asked is, what is a personal accident cover? As the name suggests, it is a cover, a safety net which casts itself whenever a car accident occurs. Here is how it works.

You are a car policy owner which includes a personal accident cover. Say you were driving on the highway and a truck hits you from the back. You lose control and the car jerks off the lane and dashes into the road divider. You may be injured or worst, dead.

Under such circumstances, the insurance company seeing that your policy includes this cover compensates you for bodily injury or your nominees in case of your demise. The compensation depends upon the degree of injury. Take a look at this table.

Injury Details Compensation Scale
Death 100% of sum insured
Loss of two limbs or sight of two eyes or

one limb and sight of one eye

100% of sum insured
Loss of one limb or sight of one eye 50% of sum insured
Permanent Total Disablement from

injuries other than named above

100% of sum insured


While this policy covers the owner/driver and co-driver whilst driving the vehicle or mounting into/dis-mounting from the insured vehicle, there are a few conditions before the insurance company accepts the claim.

  • No compensation if the injury is a result of intentional self-injury.
  • No compensation if there is evidence of attempted suicide.
  • No compensation in case of driving under influence of drugs or alcohol.
  • The owner-driver should be the insured named in the policy.
  • The owner-driver should be the registered owner of the insured car

A car insurance policy with a personal accident cover feature is the best plan for your car, your loved ones, and yourself.

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