Personal Accidental Cover Under Motor Insurance Policies

Every private and commercial vehicle owner knows about the risks associated with driving the vehicle and wishes to remain financially secure for emergencies. Personal accident cover provides and appropriate umbrella against those difficult times. It covers situations involving getting in/out of the vehicle, during car travels as well as while getting on with repair work related to the vehicle while on the road.

A Comprehensive Coverage:

Auto insurance plan India provides a comprehensive coverage that takes into account various kinds of untoward situations that can cause problems for the vehicle and those inside and even the third party. One of the facets of motor insurance is the personal accident plan, which is all about providing financial security and compensation to owners.

There are many different plans to choose from and those who want can customize the type of cover they want. If you are not happy with the extent of cover from your standard insurance, it is possible to stretch the horizon and get additional benefits through personal accident insurance policy through additional charges.

Personal accident plan is your cover against accidents 24 x 7 anywhere you may be at the time. The validity of the policy is for limited duration most of the time, therefore those who want can go for redeeming it regularity for keeping it alive. However, besides the numerous benefits that you stand to gain through this policy, it is also necessary to know about the varied exclusions.

For example, for underage people who are studying full time, the compensation amounts in personal accidents can be less than that of adults. Similarly, there is no compensation if the driver or the passenger were under the influence of drug or alcohol when the accident occurred.

Before claiming for compensation amounts through the personal accident cover it is necessary to ensure that the accident or emergency does not come under excluded activities as mentioned in the rules and regulations of the policy. Besides, there are no covers for pre-existing medical conditions.

There are a number of benefits associated with the personal accident plan under motor insurance. Compare car insurance quotes to find out what you stand to gain through such a plan before making the final purchase decision.