A major accident is uncertain and can come knocking at the door at any point, putting the life of the driver and passengers at risk. While a personal accident cover is mandatory for every car owner, one can also voluntarily insure the passengers to be fully secured in such situations. There are many choices available in the market to cover the risk of personal injuries to any passenger or paid driver. By opting for such insurance, one can make sure that each and every person present in the car during the accident is insured against injuries and disabilities. Now that we know how beneficial driver and passenger car insurance is, let's delve deeper into everything there is to know about it.
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Irrespective of whether you operate a private vehicle or a commercial car, you mostly have passengers in the car with you. They are just as liable to accidental injury during the ride as you are. Therefore, they need proper financial protection against liabilities arising from accidents.
Car insurance policies do not cover passengers in your vehicle under normal circumstances. However, most insurers offer passenger cover in car insurance as an add-on. Opting for this additional protection increases your premium payments for a policy by an insignificant margin but is vital for the complete safety of everyone inside the vehicle, nonetheless.
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A driver cover, also known as legal liability cover, implies that if you have hired a driver to drive your vehicle and he meets with an accident while driving it, then the insurance company will provide compensation for his injury/loss of life.
Generally, driver cover is offered as a rider along with your car insurance policy. You have to pay an additional premium amount (which is low, mostly around Rs. 50 or so) to avail this coverage along with your third-party/comprehensive car insurance policy.
When you have the legal liability cover, if your hired driver meets with an unexpected accident driving your vehicle, your insurance company pays the compensation for treating the injuries sustained by the hired driver.
The following are included in the passenger and driver cover:
It is recommended for every car owner to buy a passenger cover. If you ply friends or family in your car, it is a must-have add-on to your regular insurance. It is all the more important for commercial vehicle owners who operate cabs, pool cars, etc. This will ensure every passing occupant in the vehicle is secured under the cover.
While we have already discussed how important driver and passenger cover can be, let's take a look at the real benefits of it:
To claim a driver and passenger cover, you need to follow the below procedures:
