What is personal accident coverage in car insurance


21 Jul 2023

Read about What is personal accident coverage in car insurance. Check out Kotak General Insurance's car insurance online for more information.

Road accidents could result in injuries for both the involved parties. Read this post to know how the personal accident cover could come to your rescue in such scenarios.

According to data from National Crime Records Bureau, more than 1.55 lakh lives were lost due to road accidents in India in 2021. This makes feature-packed car insurance with adequate coverage a critical aspect of owning a four-wheeler.

One of the most significant advantages of car insurance is the personal accident coverage it offers. As road accidents could result in injuries and other severe outcomes for owner-drivers too, personal accident coverage proves highly valuable. Let's take a look at what personal accident coverage is and what its benefits are-

What is personal accident coverage?

As the name suggests, personal accident coverage protects the owner-drivers against injuries caused in a road accident involving the insured vehicle. It also offers financial assistance if the policyholder suffers from a disability and/or loss of a body part due to a road accident.

Moreover, the insurer pays the coverage amount to the nominee if the policyholder dies due to the accident.

Which car insurance policy includes personal accident coverage?

As per the India Motor Tariff 2002, Personal Accident or PA cover is mandatorily issued with every car insurance policy. So, whether you purchase a 3rd party or comprehensive car insurance online or offline, it comes with the PA cover. Moreover, you also have the option to purchase the cover for paid drivers and co-passengers by paying a slightly higher premium.

However, it is worth noting car owners are only required to purchase PA cover once. So, for instance, if you’ve purchased a second car, but the car insurance policy of the first car includes a PA cover, you can skip the PA cover while purchasing insurance for the second car.

What is the coverage limit for personal accident cover?

As per IRDAI (Insurance Regulatory and Development Authority of India), a PA cover ofRs.15 lakhs is mandatory for every car owner. Here’s how the compensation of a PA cover is paid-

Scope of Injury


Loss of one eyesight/loss of one limb


Loss of both eyesight/loss of two limbs/loss of one eyesight and one limb


Permanent total disability from injuries other than those listed above




What is the premium for purchasing personal accident cover?

As PA cover is mandatory, the IRDAI has fixed the premium for the same atRs.750 for a policy year. However, theRs.750 premium limit only applies to car insurance policies that come bundled with the PA cover.

Insurers also offer standalone and unbundled PA covers. According to IRDAI, insurers have the liberty to fix the premium for such standalone PA covers.

Stay financially protected with a personal accident cover

Accidents come unannounced. While we cannot predict such events, we can take measures to keep ourselves protected. And personal accident cover is one such effective measure.

If you’re planning to purchase car insurance online or offline, ensure that you purchase it with a personal accident cover to stay financially protected at all times. We at kotak general insurance also provide PA cover for our car insurance plans. Apart from personal accident cover you can also check on other covers provided by Kotak Car Secure – our comprehensive car insurance policy.

Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.