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What is compulsory owner-driver personal accident cover


A compulsory personal accident cover is an insurance cover provided by motor insurance companies in India that provides cover to the owner-driver when driving the vehicle. The PA cover insurance covers the medical expenses arising from the injuries caused to an owner-driver while in the car.

Is personal accident cover only for owner?

Yes, a PA cover is compulsory only for the owner-driver.

Is personal accident cover necessary?

Ans: Yes, as per the India Motor Tariff 2002, it is mandatory to purchase a personal accident cover. The car owner car can purchase this policy with third-party liability cover as well.




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