Personal Accident Car Insurance

Personal Accident (PA) cover provides financial protection if an insured person suffers an injury, permanent disability or death because of an accident, subject to the plan's terms.

This is different from your car insurance.

Your comprehensive motor policy can cover damage to your vehicle, but Bank Negara Malaysia notes that standard motor insurance does not cover your own death or bodily injury from a motor accident.

That is where Personal Accident cover can help.

Depending on the plan, PA cover may provide benefits such as:

• Accidental death
• Permanent disability
• Medical expenses
• Other accident-related benefits

The exact benefits and payout limits depend on the insurer and plan.

For example, BJAK's current Personal Accident guide highlights medical expenses, permanent disability compensation and death benefits as common PA benefits.

Always check the policy wording for the exact benefits.

Your standard comprehensive car insurance is primarily designed to cover your vehicle and third-party liabilities.

It does not automatically provide personal injury protection for the driver.

BNM specifically lists the policyholder's own death or bodily injury as an exclusion from standard motor insurance.

You can consider Personal Accident cover if you want additional protection for yourself.

It depends on the plan.

Some PA products are designed for the driver, while others can extend protection to passengers or multiple people.

For example, some Malaysian motor products offer driver's Personal Accident cover separately, while other products offer wider passenger-related benefits.

Check who is insured before purchasing.

PA may be useful if you:

• Drive every day
• Have a long commute
• Frequently travel by car
• Drive with your family
• Depend on your income to support your household
• Want additional financial protection against accidental injury

They protect against different risks.

Personal Accident

Financial benefits to the insured person after a covered accident.

Legal Liability to Passengers

Protection against certain legal claims made by passengers against you.

You can have both because they solve different problems.

Exclusions vary between plans.

Common exclusions can include certain illegal activities, intentional acts and situations specifically excluded by the policy.

Do not assume that every accident automatically qualifies for a payout.

Read the policy terms, benefit limits and exclusions before buying.

When comparing car insurance on BJAK, check the benefits included in each quote as well as the optional add-ons.

BJAK's car insurance comparison page currently shows Personal Accident as one of the additional protections available with selected insurers.