What are the rules governing personal accident cover in motor policies?
Motor insurance policy has an inbuilt personal accident cover for the vehicle owner, wherein the driver is covered as per the Workmen's Compensation Act. Personal accident cover for any other person can be obtained by paying an additional premium.
Personal Accident Coverage
Here are the different types of personal accident coverage can/has to opt for:
- Personal accident owner-driver compulsory coverage of Rs 15 lakhs
- Passenger optional coverage of minimum Rs 10,000 and maximum Rs 2 lakhs
Personal Accident Cover for Owner-driver
The Company undertakes to pay compensation as per the following scale for bodily injury/death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst driving or mounting into/dismounting from the vehicle insured or whilst traveling in it as a co-driver, caused by violent accidental external and visible means which independent of any other cause shall within six calendar months of such injury result in:
Scale of Compensation
| Nature of Injury | Scale of Compensation |
| Death | 100% CSI |
| Loss of two limbs or sight of two eyes or one limb and the sight of one eye. | 100% CSI |
| Loss of one limb or sight of one eye | 50% CSI |
| Permanent total disablement from injuries other than named above. |
100% CSI |
Premium Rates for Additional Covers
Here are is the list of premium rates for additional covers:
| Additional Covers | Premium Rates |
| Owner-driver Personal Accident Cover - Private Car | Rs 450 |
| Owner Driver Personal Accident Cover - Two-wheeler | Rs 450 |
| Personal Accident Cover for Passenger - Private Car | Rs 5 on per 10,000 coverage |
| Legal Liability for Paid Driver | Rs 50 |
Planning to buy a personal accident cover? Click Here to compare and buy the right policy.
