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Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.
Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.
Personal accident cover, or PA cover, is a type of cover in car insurance that offers you financial compensation as per the policy’s terms and conditions in case of an accident. Covering death and disablement arising out of injury, a personal accident cover in car insurance provides the required funds for treatment and covers steep medical bills. A PA cover is one of the most useful features of car insurance.
There are several benefits of a PA cover in car insurance. Some of the major benefits provided by it are:
A personal accident cover gives financial support if you suffer an injury due to an accident. It ensures you and your family don’t face sudden money problems during such tough times.
If the accident leads to any kind of disability, the personal accident cover provides a fixed payout. This amount can help you manage medical expenses or daily needs.
Despite the best efforts taken, driving has its share of risks. With this cover, you know that you and your loved ones will get monetary support if something unexpected happens on road.
Yes. A PA cover is mandatory for car insurance in India. While previously, only third-party car insurance was mandatory, the growing number of accidental injuries prompted the government and regulatory authorities to take notice.
The Motor Vehicles Act and the Insurance Regulatory and Development Authority of India (IRDAI) have made it mandatory for vehicle owners to have a PA cover. The primary objective of making personal accident cover in car insurance mandatory is to ensure you remain financially protected in the event of injury due to an accident.
The quantum of compensation offered by a personal accident cover, also known as CPA cover in car insurance, depends on the nature of injury (see table):
CPA cover in car insurance may come in several forms. These include:
This PA cover in car insurance for the vehicle’s owner, who is also the car’s driver. It provides financial compensation when the owner-driver sustains an injury due to an accident, as per the policy’s terms and conditions.
This is an optional cover and you need to pay an extra premium to avail it. Under it, the paid driver gets compensated in case he/she sustains injuries while driving the insured vehicle.
You can also avail of a personal accident cover for passengers, limited to the vehicle's carrying capacity. This ensures that passengers travelling in the vehicle receive financial compensation in the event that they sustain injuries due to an accident.
PA cover in car insurance provides financial compensation in case of bodily injury or death due to an accident. It also offers financial compensation in the event of:
A PA cover in car insurance doesn’t cover:
The premium cost of a personal accident cover in car insurance is low and affordable. It can range from a few hundred to a thousand rupees, depending on the insurance coverage amount. Check with your insurer to determine the amount you need to pay to avail of this cover.
To make a claim:
The first step is to inform us immediately regarding your claim. You can inform us on our toll-free number (1800 2666) or through the IL Take Care app.
Fill out the claims form and submit the required documents. These include policy copy, copy of driving license, registration certificate copy, FIR or police report, etc. We’ll notify you in case you need to provide any additional documents. We’ll go through the documents and settle the claims accordingly.
Note: Please click here for more details.
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