{"id":478,"date":"2021-06-27T18:38:34","date_gmt":"2021-06-27T18:38:34","guid":{"rendered":"https:\/\/www.wivekeys.com\/?p=478"},"modified":"2022-12-05T18:11:27","modified_gmt":"2022-12-05T18:11:27","slug":"is-personal-accident-cover-mandatory-with-car-insurance","status":"publish","type":"post","link":"https:\/\/www.wivekeys.com\/is-personal-accident-cover-mandatory-with-car-insurance\/","title":{"rendered":"Is Personal Accident Cover Mandatory With Car Insurance?"},"content":{"rendered":"\n
As many car owners may be aware, the Motor Vehicles Act of 1988 makes it mandatory to have a third-party insurance policy to be able to drive on Indian roads. Besides this, there is another mandatory insurance cover – the personal accident cover. The India Motor Tariff of 2002 made the PA cover legally necessary to be purchased with any motor insurance<\/strong><\/a> plan. In early 2019, however, there were some changes in the mandate. As a result, many people have several questions and doubts regarding the mandatory nature of the PA cover. In this article, we tell you what you need to know on this subject. Let\u2019s get on to it. <\/p>\n\n\n\n The PA cover is mandatory only for first-time car insurance buyers <\/strong><\/p>\n\n\n\n Earlier, before the 2019 amendment, one had to buy a personal accident cover every time they purchased a new car, and thus a new car insurance policy. However, this led to quite a few problems. Primarily, the policyholder would have to pay multiple premiums for all their PA covers but the coverage remained the same. Keeping this in mind, a decision was made in 2019 by the concerned authorities. A person who already had a personal accident cover with their previous car insurance policy would not have to buy a new one if they purchased a new car. <\/p>\n\n\n\n This waiver is valid even if the previous PA cover was purchased with a two-wheeler policy. <\/p>\n\n\n\n The PA cover can be waived off for those who already have one <\/strong><\/p>\n\n\n\n