Riding a two-wheeler offers freedom but also comes with risks. With road accidents being a common occurrence, having a Personal Accident (PA) Cover in your bike insurance is a necessity, not a luxury. At InsureMile, we help riders secure themselves and their loved ones financially in case of unforeseen events.
What is Personal Accident (PA) Cover in Bike Insurance?
A Personal Accident Cover is a type of insurance that offers financial compensation for injuries, permanent disability, or death resulting from a bike accident. It’s a mandatory add-on as per The Motor Vehicles Act, 1988, ensuring the owner-rider is financially protected. At InsureMile, you can easily add this cover to your bike insurance policy, ensuring complete peace of mind on the road.
Key Benefits of PA Cover in Bike Insurance
Accidents can be life-changing, both physically and financially. A PA cover offers these essential benefits:
- Financial Protection Against Permanent Disability: If an accident leaves you permanently disabled, the PA cover provides a lump-sum payment to help manage medical and daily expenses.
- Medical Expense Coverage: Receive a lump-sum payment for medical bills if you suffer injuries in an accident.
- Support for Your Family: In case of accidental death, the PA cover ensures your family is financially supported, offering a payout that can help ease their burden during such a difficult time.
How to Buy Personal Accident Cover Online with InsureMile
At InsureMile, buying a PA cover is simple and hassle-free. Here’s how you can add it to your policy:
- Visit InsureMile’s Website or mobile app.
- Select Your Two-Wheeler Insurance Plan.
- Choose the Personal Accident Cover as an add-on.
- Complete the Payment – it’s that simple!
With InsureMile, you don’t need to worry about paperwork. The process is entirely online, ensuring a smooth experience.
What is Covered in PA Cover?
With InsureMile’s PA cover, the following situations are covered under bike insurance:
- Accidental Death: 100% compensation to the family of the policyholder.
- Permanent Disability: Coverage for permanent loss of limbs or eyesight, with compensation up to 100%.
- Partial Disability: For the loss of a single limb or eye, 50% of the sum assured is provided.
Exclusions: What’s Not Covered in PA Cover?
It’s important to know the exclusions. InsureMile’s PA cover does not cover:
- Injuries sustained under the influence of alcohol or drugs.
- Accidents occurring outside the geographical limits of the policy.
- Any intentional acts or legal violations.
Why PA Cover is Vital for Every Rider
India’s roads can be unpredictable, and bike accidents are all too common. As per the Motor Vehicles Act, it’s mandatory to secure a PA cover. Beyond compliance, it provides comprehensive protection, ensuring that any unfortunate accident doesn’t lead to financial ruin. With InsureMile, you can stay protected and secure your financial future.
How to Claim Personal Accident Cover with InsureMile
If you ever need to file a claim under the PA cover, InsureMile makes the process straightforward:
- Report the Accident: Notify InsureMile immediately.
- File an FIR: Report the accident to the local police.
- Submit Required Documents: Complete your claim by uploading necessary documents online.
- Claim Approval: Once verified, your claim will be settled swiftly by InsureMile’s claims team.
Frequently Asked Questions (FAQs)
1. Is Personal Accident Cover mandatory for bike insurance?
Yes, the Motor Vehicles Act, 1988 mandates a PA cover for every two-wheeler rider. You can easily purchase it via InsureMile while renewing or buying your policy.
2. Can I add PA cover to my existing bike insurance?
Absolutely! You can add PA cover during renewal or when buying new insurance through InsureMile’s online platform.
3. Do I need separate PA covers for each bike I own?
No, one PA cover suffices for you as an individual, regardless of how many bikes you own. However, make sure your insurance policy covers all your vehicles.
4. Does the PA cover extend to the pillion rider?
No, the standard PA cover only applies to the owner-rider. However, at InsureMile, we offer additional covers for pillion riders if needed.
5. What documents are required to make a claim?
You will need the FIR, medical reports (if applicable), and your bike insurance details when filing a PA claim with InsureMile.
Conclusion
Riding without a Personal Accident Cover is a risk no rider should take. With InsureMile, you can easily add this essential coverage to your bike insurance, ensuring both you and your family are financially protected in the event of an accident. Don’t delay—secure your PA cover today with InsureMile and ride with confidence.
