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Personal Accident Cover
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When you are involved in a serious car crash, there will naturally be a lot for you to mentally process. Aside from the worry around the actual damage to the cars involved and the related costs, your own condition is something many don’t particularly want to think about. In an accident however the unfortunate reality is that it can be more than just your car that gets damaged. With this in mind many motorists opt to include personal accident cover as a means of safe guarding against potential financial hardship.
What is personal accident cover?
Personal accident insurance is essentially coverage designed to offer your family a lump some pay out in the event of your death. If you are involved in a serious accident and survive you can still receive the lump sum pay out if your ability to make income has been compromised. This means you will be able to meet your bills payments along with other commitments even if you are incapacitated or otherwise unable to work.
What does personal accident cover?
Personal accident cover will protect you against the associated costs of a serious injury along with compensation for any income loss you are likely to insure as a result of your injuries. If you are killed as the result of a car crash, your family will be compensated against the loss of income which your death will incur on the household. This means you’ll be granted protection against the effects of income loss in the event of serious injury or your death. This is a popular add on policy for many car insurance policies as this cover does not come with standard cover.
What is personal accident cover on a car insurance policy?
Personal accident cover is essentially an add on you can include on your car insurance policy to give you that extra level of coverage. Personal car accident cover is a common add-on for many policy holders as it can offer peace of mind for a relatively low cost. Getting personal accident cover is not a legal requirement in the UK however but rather an elective. The only type of car insurance that is mandatory is third party cover, because the legal requirement is intended to protect third parties when you get behind the wheel. By taking out personal accident cover you are essentially providing yourself with an additional layer of protection.