Introduction
While Personal Accident (PA) coverage protects the policyholder, it does not cover passenger claims. Drivers carrying passengers may face lawsuits if passengers are injured during a trip. In Malaysia, LLOP (Liability to Passengers) and LLP (Legal Liability to Passengers) add-ons help drivers mitigate financial risks by Protecting Drivers from Passenger Claims and covering legal fees and compensation.
How LLOP & LLP Protect Drivers
| Coverage | What It Protects | Benefits | Notes |
| LLOP | Legal claims from passengers | Covers lawsuits, damages, and legal fees | Recommended for drivers who regularly carry passengers |
| LLP | Legal liability for injury to passengers | Provides financial protection against compensation claims | Complements LLOP; check policy details |
| Why It Matters | Protects driver’s finances and peace of mind | Avoid costly lawsuits and out-of-pocket expenses | Crucial for ride-sharing or family transport |
Tips for Drivers
- If you regularly carry passengers, consider adding LLOP or LLP coverage.
- Review your insurance policy limits for passenger liability.
- Maintain complete records and documents for incidents.
- Understand the difference between PA (policyholder) and LLOP/LLP (passenger claims) coverage.
Conclusion
In Malaysia, drivers are not automatically protected from passenger claims under standard PA coverage. Adding LLOP or LLP coverage help in protecting drivers from passenger, giving drivers peace of mind while transporting passengers.
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