What is passenger cover in car insurance?

1. What is passenger cover in car insurance? While you commute by your vehicle, you are often accompanied by one or more passengers. If an unfortunate accident occurs, they are just as prone to injuries as you are. This is why it is important to financially secure yourself against the possibility of any liabilities that may arise due to passenger injury during a road mishap. Now, your comprehensive car insurance policy does not cover the passengers in your motor vehicle. Instead, insurance providers offer passenger cover in car insurance as an add-on. What does the passenger cover in car insurance entail? A comprehensive car insurance plan provides financial help to the owner of the insured vehicle in case of a road mishap. Your insurance provider covers you for third-party damages and injury as well as your own losses that arise due to an accident. However, compensation is generally not provided for any other people (passengers) who are present in your car

2. during the accident. If these passengers suffer from any injuries in the event of an accident, the liability falls on the driver. The owner/driver will have to pay for the resulting hospital or surgery bills from their own pocket if the passengers present in their vehicle at the time of the accident face injuries. This is where the passenger cover add-on steps in to help by extending your car insurance coverage. The passenger cover add-on serves to protect the driver or owner against such third-party liabilities from their own passengers during a mishap. It thus limits your liability towards paying for the occupants in the car in the event of an accident gives you much peace of mind. The passenger cover offers a death benefit, coverage for disability and coverage for hospital treatment costs due to an accident. The exact amount of coverage in the passenger cover add-on may vary between insurers. What are the benefits of the passenger cover add-on? Accidents can happen anytime, anywhere, and to anyone. Whether you are with your family and friends or customers, it is always better to protect yourself and your passengers financially against an accident. This is when the passenger cover add-on comes into the picture. It gives you peace of mind by shouldering the expenses incurred if a passenger in your vehicle is injured or suffers fatalities in an accident. The passenger cover also extends towards legal liabilities in the case of a commercial vehicle. Are there any Exclusions to the passenger cover add-on? Some of the common exclusions to this add-on are: ●This add-on may not offer coverage if the passenger gets out of the car when the accident occurs

3. ●Physical injuries or death caused as an outcome of an attempt to suicide may be excluded ●Injuries or death during an accident caused while the driver was intoxicated are not covered Kindly note that the inclusions and exclusions of the passenger cover in car insurance can vary from insurer to insurer. So, make sure to get in touch with your car insurance provider for more details before you purchase the passenger cover. Hope this article has been useful to you. Take care.