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A personal accident car insurance cover or a PA cover is an add-on that safeguards you against the risk of accidental injury or death in a road accident. In the event of an unfortunate mishap, the cover offers compensation to financially secure you against medical care expenses. As an owner-driver, it is compulsory to opt for a personal accident cover irrespective of the type of car insurance coverage you purchase.


A Personal Accident or PA cover in car insurance provides financial protection or aid for the owner-driver in case of an unforeseen event like an accident. If the owner-driver dies in an accident, the family or loved ones of the owner-driver will receive a lump sum amount as compensation under personal accident cover in car insurance.


According to the predetermined norms of the personal accident cover, the car insurance amount will help in paying off the medical bills. If you can’t pay bills post an accident, PA cover will fulfil your financial commitments. It includes situations involving bodily injuries, disabilities, and/or loss of a body part. Also, your family will receive a lump sum payout in case of your unfortunate demise due to the vehicle-related accident provided you were driving the car. Thus, this cover justifies the personal accident cover car insurance meaning in all possible ways.

Benefits of Personal Accident Cover for Owner-Driver

The PA cover in motor insurance is the best option when it comes to protecting yourself financially against accidental injuries. Here are a few benefits of the personal accident cover in motor insurance:


  • In case you meet with an accident while driving your insured four-wheeler, this cover will offer financial assistance to help you pay the medical bills. 

  • The car insurance PA cover also offers coverage against permanent disability caused by an accident from your insured car.

  • It also offers financial aid for the surviving members of the policyholder’s family in case of death due to an accident.

Personal Accident Compensation for Owner-Driver

According to the guidelines issued by the Insurance Regulatory and Development Authority of India, all car owners are provided with a car personal accident cover of ₹15 Lakhs. IRDAI fixed this coverage amount on the basis of a Madras High Court order in September 2018.

Inclusions and Exclusions of Personal Accident Cover in Car Insurance


The personal accident cover in car insurance covers a wide range of benefits under the policy. Some of them are:


  • A personal accident cover provides coverage for partial or total disability (both temporary and permanent), physical impairment, and inability to do work.

  • The policy covers the accidental death of the owner-driver in the insured vehicle-related accident.

  • A PA cover includes dismemberment of accidental kind, including loss of eyesight, limbs, fingers, toes, permanent paralysis, etc.

  • Any injuries caused due to a terrorist attack are also covered in a personal accident cover in motor insurance.

  • If an accident leads to hospitalisation, hospital cash or daily payment of money is also provided for some days.



There are a few exclusions under the PA cover in car insurance. The important ones are listed below.


  • Pre-existing injuries or disabilities

  • Suicide attempts

  • Accidents occurring under the influence of drugs and alcohol

  • Childbirth or pregnancy

  • Injuries or death due to voluntary participation in adventurous sports

  • Accidents due to pre-existing mental disorder

  • Accidents occurring while carrying out a criminal activity

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Having a compulsory PA cover in car insurance is essential for all vehicle owners and operators. Now, with it being unbundled from car insurance, there is no reason for you to not purchase the compulsory personal accident cover for owner-driver given that it is a one-time purchase with unchanged premiums for the entirety of the policy term. 


You can simply purchase one personal accident cover, which can last you through multiple vehicles, as it is a policy with the possibility of lifetime coverage. Despite this leniency in the rules in order to make the process more convenient, we must remember that having a compulsory personal accident cover in motor insurance is in the best interest of our health and well being. 


So, what are you waiting for? Bajaj Markets has a choice of car insurance plans offering personal accident cover. Check them out right away!

Check Out Car Insurance Partners Available at Bajaj Markets

FAQs on Compulsory Personal Accident Cover

What is a personal accident cover in car insurance?

Personal accident cover is an add-on that offers financial coverage against accidental injuries, disabilities and the death of the insured.

What is not covered under personal accident cover in car insurance?

Personal accident cover in car insurance does not cover the following aspects:

  • Any accident caused due to adventure sports

  • Mishaps due to war or conflict

  • Death of the policyholder due to an ailment

  • Accidents caused under the influence of drugs or alcohol

  • Self-injury or suicide

Does comprehensive car insurance offer a personal accident cover?

Yes. A comprehensive car insurance plan offers a personal accident cover.

Is personal accident cover necessary for car insurance?

Yes. It is mandatory for all owner-drivers to opt for a personal accident cover in car insurance.

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