Personal Accident (PA) cover for a paid driver in motor insurance provides financial protection to the driver in the event of accidental injury, disability, or death while on duty. This cover is essential as it ensures that the driver or their family receives compensation for medical expenses, loss of income, or fatal injuries resulting from an accident.

This is optional add on cover available for a fixed Sum Insured (SI) of₹2 lakhs.

Personal Accident (PA) cover for the owner-driver (both private car and two-wheeler) in Third Party motor insurance provides financial protection to the owner-driver in case of accidental death or permanent disability resulting from an accident involving the insured vehicle.

It is a mandatorycover for owner-drivers unless they are insured separately for Personal Accident.

The cover is available for a fixed Sum Insured (SI) I, e ₹15 lakhs as on date.

Compensation Scale

Extent of Injury	Scale
i. Death	100% of SI (Sum Insured)
ii. Loss of two limbs or vision in both eyes	100% of SI
iii. Loss of one limb or vision of one eye	50% of SI
iv. Permanent total disablement from injuries other than those listed above	100% of SI

This type of cover provides personal accident benefits to any passenger traveling in the insured vehicle, without naming specific individuals. Coverage applies to any occupant of the vehicle at the time of the accident, up to the maximum seating capacity specified in the policy.

This is an optional cover available for a fixed Sum Insured (SI) of₹2 lakhs.