What Is Personal Accident Coverage?
Personal Accident Coverage is an add-on you can include in your policy. It covers the driver for serious injuries or death caused by an accident. If an accident happens, the insurer pays compensation for medical bills or to the next of kin in case of death.
Benefits of Personal Accident Coverage
PA coverage usually includes:
- Death or permanent disability compensation – Financial compensation offered to cover medical bills or compensated to the family.
- Income replacement – Certain insurers provided allowance in the PA coverage when unable to attend work.
These benefits can make a big difference, especially if you often drive alone, carry passengers, or use your car for daily commuting. Even when injured, you’ll still have some financial support to manage expenses.
Tips to Maximise Your PA Coverage
- Review your current policy – See how much coverage you already have and decide if it’s enough for you.
- Add coverage if needed – If your basic plan doesn’t include PA, you can add it as an extra benefit.
- Keep medical records – Having complete documents helps your claim process go faster and smoother.
- Extend coverage to passengers – Some policies allow PA protection for passengers too, not just the driver.
Conclusion
Personal Accident coverage is a useful add-on to your car insurance. It protects you as the driver, and not just the car. Having this extra coverage can make or break your financial situation when needed.
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