Passenger Cover in Car Insurance
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Introduction
The standard car insurance policy covers third-party claims and loss or damage to the car due to accidents or theft. Personal accident insurance covers the driver’s medical expenses and also offers death benefits following an accident. However, both these policies do not provide any protection to passengers who may also suffer the fallout of a serious accident. The car insurance passenger coverage is specifically designed to protect passengers who get injured in an accident. Though it’s not mandatory, buying this policy offers a sense of protection to friends and family members who travel with the car’s driver.
What is a Passenger Cover in Car Insurance?
The passenger cover in car insurance is an add-on policy that can be bought along with a comprehensive car insurance plan. It covers the medical treatment costs of passengers who get injured in accidents. The policy also provides disability and death benefits to passengers who get disabled or die due to accidents.
The passenger cover add-on can be purchased with a regular car insurance plan by paying a nominal extra premium.
Importance of Passenger Cover in Car Insurance
Every life is precious. The car’s owner-driver has a moral responsibility toward his fellow passengers who may also suffer grave injuries or lose their lives in an accident. The standard car insurance and personal accident insurance policies do not provide any protection to other passengers in your car.
The passenger cover insurance offers financial protection if passengers get injured or die in an accident. This support helps to alleviate the financial burden of families arising due to expensive medical treatment or the death of their loved ones due to a car accident.
How Does the Passenger Cover in Car Insurance Work
The passenger cover insurance covers the hospitalization and other medical expenses of passengers who travel with you in your car and get injured in an accident. This policy also covers the risk of disability of passengers due to an accident.
Further, the passenger cover in car insurance provides death benefits to the family members of deceased passengers who lose their lives in an accident.
What is Covered in the Passenger Cover Insurance?
- Hospitalisation and other costs related to medical treatment of passengers injured in an accident
- Disability coverage for passengers who suffer temporary and permanent disability due to an accident
- Compensation for the death of passengers due to a car accident (payable to their family members)
What is Not Covered in the Passenger Cover Insurance?
- Self-inflicted injuries
- Accidents that occur when the driver is under the influence of alcohol or drugs
- Loss or injuries due to a case of attempted suicide
- Absence of passengers at the time of the accident
- Any loss or damage that is not related to an accident
Benefits of Having a Passenger Cover in Car Insurance
Financial coverage for medical treatment expenses of passengers injured in a car accident
Financial support for any temporary or permanent disability suffered by passengers due to a car accident
Compensation to the family members of passengers who die in an accident
Prevents financial hardships for passengers and their families following an accident
Avoids legal hassles for owners of commercial passenger vehicles
Offers peace of mind to the car driver who has a moral obligation to safeguard the lives of fellow travelers
Frequently Asked Questions on Passenger Cover Car Insurance
No. It is not mandatory for car owners to purchase any add-on cover including passenger cover insurance. However, it provides a sense of protection to the driver and passengers by covering the risk of accidents.
A standard car insurance policy does not cover passengers who may get injured or lose their lives in an accident. Car owners have to buy a separate add-on cover to protect their passengers.
Third-party insurance covers the claims of the general public who suffer any loss or damage due to a car accident. It does not provide coverage to the passengers who are travelling in the car. Hence, all car owners should purchase a passenger cover in car insurance.
The passenger insurance policy can cover up to three passengers for a small car with a seating capacity of four people. Insurers can extend this coverage to more passengers in bigger vehicles. In any case, the insurance coverage will be restricted to your vehicle’s authorized seating capacity.
No. The car insurance passenger coverage is an add-on cover. It can only be bought along with a comprehensive car insurance plan. It is not available as a standalone policy.
