Irrespective of whether you operate a private vehicle or a commercial car, you mostly have passengers in the car with you. They are just as liable to accidental injury during the ride as you are. Therefore, they need proper financial protection against liabilities arising from accidents.
Car insurance policies do not cover passengers in your vehicle under normal circumstances. However, most insurers offer passenger cover in car insurance as a rider or add-on. Opting for this additional protection increases your premium payments for a policy by an insignificant margin but is vital for complete safety of everyone inside the vehicle, nonetheless.
How Does this Add-On Cover Work?
Typically, a car insurance plan offers complete financial assistance to the driver of the insured private car in case of accidents. This means that if you are driving the car in question, then in case of permanent disability or death because of the mishap, your family is eligible to receive the insured amount from the insurer.
Usually, the same facility is not extended to passengers in your vehicle during the accident. They would need to spend money out of their pocket to treat injuries resulting from accidents involving your vehicle.
This does not sound fair, does it?
As a driver, it is your responsibility to offer the same protection to your passengers, who are in no way or form responsible for accidents. That is why, while buying the car insurance policy, opting for a passenger cover is the only way to ensure complete protection for people who ride in your vehicle.
For instance, Digit insurance offer a sum insured ranging between Rs. 10,000 and Rs. 2 Lacs under the passenger cover add-on. With such high sum insured amount you will be able to maximise the financial protection for the passengers in your car.