Passenger Coverage in Car Insurance

What is Car Insurance Passenger Coverage & How it Works?

While car insurance policies are required to include personal accident coverage for the insured car's owner-driver, it is not required to cover passengers. However, this should not prevent you from ensuring that the passengers in your vehicle, who may be family members, friends, or even customers, are secured. This is where a passenger cover comes into the picture. This add-on cover in car insurance provides financial protection for passengers riding in the insured vehicle. Apart from the personal accident cover for the owner-driver, this add-on allows you to insure up to three passengers in the case of a three-passenger seater car.

Passenger Insurance Cover on Bajaj MARKETS

Here is the list of top passenger insurance cover providers with their insurance quotes:

Disclaimer: *Premium rates are indicative. The actual premium that you may have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your car insurance policy.

What are the Inclusions and Exclusions of Passenger Insurance Coverage?

The car insurance coverage for passengers has the following set of inclusions:

 

• This add-on will cover the cost incurred for medical treatment of the passenger(s) in your insured vehicle after accidents.

• It will provide a disability liability cover to the passenger(s) of your insured vehicle.

• A car insurance passenger coverage will offer financial assistance in the event of the death of a passenger due to an accident in your insured car.

The passenger cover, like all insurance add-on policies, has its own set of exclusions. The following are the specifics:

 

• Some insurance companies will not provide financial help if the passenger(s) exited the vehicle during the collision.

• In the case of a private car, the add-on does not cover more than three passengers, and they must shoulder the expense of treatment in the event of an accident, with no financial aid from the insurance provider.

• An accident occurred while the person was inebriated with alcohol or other intoxicating substances.

Benefits of Purchasing Passenger Insurance Coverage

As the owner of a vehicle, you have responsibilities to passengers in the event of an accident that leaves them injured or disabled. Adding the passenger insurance coverage to your normal comprehensive insurance policy provides you and your passengers with comprehensive coverage. The following are some of the advantages of purchasing passenger insurance coverage:

 

• In the event of an accident, this insurance covers the costs of medical treatment for passengers.

• Provides financial support in the event of a passenger's death.

• Provides passengers in the insured vehicle with disability liability coverage.

• Reduces your financial responsibility in such scenarios because you can file a claim on behalf of the vehicle's owner-driver and passengers.

• If the insured vehicle is a commercial passenger automobile, you can avoid legal issues.

How to File a Passenger Insurance Coverage Claim

As a passenger in the insured car, you may be wondering how to file a claim. The process of filing a claim for passengers is straightforward, especially when using online vehicle insurance. To submit a claim against your passenger insurance coverage, follow the steps below:

 

1. Contact your insurance carrier to report the collision and the level of damage to your vehicle, as well as any injuries to passengers.

2. Go to the local police station and file a First Information Report (FIR).

3. If the collision includes a third party, make sure you get the third-party’s information as well as the vehicle's information.

4. File a claim with the insurer, who will send a surveyor to assess the damage and settle the claim.

5. The insurance company will pay the stipulated insured sum in the event of passenger death or give financial support for medical treatment of injuries to passengers of the insured vehicle.

Conclusion

The addition of car insurance coverage for passengers to your basic car insurance policy offers a lot of value. As the owner/driver of the insured car, you have a responsibility towards the passengers riding with you. Adding passenger insurance coverage in your car insurance will ensure that everyone riding in the car is financially secure in the event of an unfortunate accident. If you are looking to buy a car insurance with a passenger cover add-on coverage, browse through the car insurance plans available on Bajaj MARKETS, which are offered with multiple features such as cashless claim settlements, a wide range of add-on covers, hassle-free renewals, 24x7 assistance, and much more!