How does PA cover work in car insurance? Is it worth it?
Standard car insurance does not offer any claim for the person’s involved in the accident. Opting for a personal accident cover can help as it covers the car owner and the paid driver for death or permanent loss of limbs. To avail a PA cover add-on you must hold a driving license in your name. With a nominal cover amount you can safeguard your life as well as that of your driver.
A Personal Accident (PA) cover could be very useful, especially because there can be injuries in case of car accidents and a Car Insurance will cover only damage to your car. A PA cover can include a number of features such as permanent total disability cover, permanent partial disability cover and temporary total disability cover. Some even give you hospitalisation cover. A PA cover does not require you to undergo any medical tests. You can get compensation using your PA cover even if the injuries are minor. You can go for a normal cover or a comprehensive cover based on your budget.