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.