Shielding Your Journey: A Comprehensive Guide to Personal Accident Car Insurance

In a world full of uncertainties, having car insurance will ensure the financial security of your loved ones in your absence. Having personal accident car insurance plays a vital role in ensuring the safety and financial security of the passengers and drivers in the event of an accident. Buying accident protection car insurance coverage will provide financial cushion as road accidents can lead to severe injuries. So, having adequate insurance coverage in the form of personal accident car insurance and mediclaim policy will provide much-needed support in such challenging times. Zurich Kotak General Insurance’s personal accident car insurance is one of the most comprehensive car policies that offers all-around protection. This article is a car insurance coverage guide intended to provide all the details related to personal accident car insurance.

Definition of personal accident car insurance?

Personal accident car insurance is an add-on cover that can be availed under a standard mediclaim policy that provides financial protection to the driver and passengers of an insured vehicle in the event of accidental injury, disability, or death due to a road accident.

Key features of a personal accident car insurance

1. Offers coverage for medical expenses arising due to road accidents. This coverage is offered to the driver and the passengers of the insured vehicle

2. Financial compensation to the insured or the family in the event of disability or death due to a road accident.

3. Car insurance can be purchased online as well as offline mode

4. Car insurance from Zurich Kotak General Insurance has a hassle-free claim submission process

5. Car insurance add-on covers facilities available to extend the coverage.

Inclusions of personal accident car insurance

Following is the list of inclusions available under car insurance:

1. Accidental death benefit

2. Permanent total disability benefit

3. Permanent partial disability benefit

4. Temporary total disability benefit

5. Medical expenses

Exclusions of personal accident car insurance

Following is the list of exclusions under car insurance:

1. Accident caused due to driver being under the influence of drugs or alcohol

2. Accidents caused due to non-compliance with traffic laws

3. Self-inflicted injuries

Kindly note that the details of inclusions and exclusions are specifically mentioned in the terms and conditions of the policy kindly refer to them before buying.

How to avail of personal accident car insurance?

Personal accident car insurance is usually offered as an add-on cover to an existing car insurance policy. The cover can be opted for by paying an additional premium. Also, timely renewal of the car insurance policy is a must else all the coverage shall be discontinued.

Conclusion

Personal accident car insurance is the need of the hour. Every car insurance policyholder must include this component in their comprehensive car policy as it offers a financial safety net in the event of an unforeseen accident. Thus, secure yourself and your loved ones by buying a comprehensive car insurance policy that includes personal accident car insurance.

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