Compulsory personal accident cover pays the owner-driver, or their family, for death or permanent disability in a car accident, up to Rs 15 lakh. It is often a separate line in a new-car insurance quote. You can skip it if you already hold a personal accident cover of at least Rs 15 lakh against death and disability, and since 2019 it can be bought as one policy for all the cars you own.
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Checked against this source on 18 Sep 2026. Every term