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Driver and passenger coverage in car insurance

 

 

Driver and passenger coverage in car insurance

This document covers medical bills, disability liability (permanent and temporary disability) and financial support in the event of the passenger's death up to Rs. 2.

Table of contents
Explain car insurance coverage for driver and passenger
Personal accident insurance for owners and drivers
Personal accident insurance for paid drivers
Personal accident insurance for passengers, without name
What is the function of this extra cover?
Take away

This document covers medical bills, disability liability (permanent and temporary disability) and financial support in the event of the passenger's death up to Rs. 2. Passenger coverage refers to the financial protection provided to passengers in the insured's car. Personal accident insurance is mandatory for the owner and driver of the car, while it is optional for passengers. However, since every life is assessed, consumers must get passenger coverage as part of their car insurance policy despite the lack of commitment.


Explain car insurance coverage for driver and passenger

The owner and drivers must have personal accident insurance. However, there are ways to insure the risks of any paid driver or passenger who uses your car.

Personal accident insurance for owners and drivers

If you own a car and have a valid driver's license, your car insurance policy must include personal accident coverage. It covers whether the vehicle registered in your name caused premature death or total and permanent disability. Only the insured or his legitimate successors receive insurance funds. No one else may make a claim, even if the presumed owner was driving at the time of the accident.


Personal accident insurance for paid drivers

Another scenario is that you own a car but you pay someone to drive it. You can pay a small surcharge for an addition that you will also cover. Covered funds are only available to the person referred to as a paid driver in applying for a add-on proposal. No one else can claim financial benefits, even if they are paid to drive exactly that car.


Personal accident insurance for passengers, without name

If there is an accident while the passengers are in your car, you, as the owner of the car, are responsible for their injuries. By getting the add-on to cover personal accidents for passengers, you can also cover the lives of passengers. You can choose 1-3 people's insurance using this add-on if your car has three passenger seats. There should be no more passengers in the car than is legally authorized at the time of the collision.


What is the function of this extra cover?

In the event of an accident, the normal comprehensive car insurance policy financially protects both the covered car, the owner and the driver. In the event of death or permanent disability, the insurance company will pay the insured amount referred to to as the policy candidate if you are the owner and driver of the covered car. On the other hand, regular car insurance does not cover passengers in such circumstances. Passengers will be responsible for covering their medical care costs. As the owner of the insured car, you take responsibility for the passengers riding with you.


Take away

Standard comprehensive insurance does not cover passengers in the insured vehicle. Affected by cars, both commercial and personal. In the event of an accident, there is a possibility that passengers will be injured or killed. Insurance companies provide an additional policy to give travelers additional coverage. The option of paying obligations arising from passenger injury or death gives the company full flexibility on how passengers are treated. This way, you'll be able to cover the car and make sure everyone who rides it is financially protected. Passenger coverage adds a great deal of value to your vehicle's regular insurance policy.


READ ALSO - Is non-cash car insurance useful for Indian car owners?


Disclaimer: This article is published in the public interest and is intended solely for the purposes of public information. Readers are advised not to rely on the contents of the article as crucial in nature and should conduct further research or consult an expert in this regard.

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