Learn more about coverage for personal accidents involving passengers

If you have researched some insurance with different companies and you are not sure what APP means, find out more about coverage for personal accidents with passengers.

APP, coverage for personal accidents with passengers, is a service offered together with insurance, and can be part of a specific package or just extra coverage to be contracted, following the conditions imposed by Susep.

If you are researching several insurance companies and are curious to better understand what this coverage is about, follow the article and learn more about it.

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What exactly is passenger personal accident coverage?

APP is a type of insurance offered alongside the modalities commonly sold by insurance companies. It guarantees the protection of potential passengers of the insured vehicle in the event of an accident.

Personal accident coverage for passengers guarantees compensation for people inside the vehicle in cases of accidents involving disability, whether partial or total, and death. It also covers other possible risks caused accidentally.

In addition to compensation for the cases mentioned above, some companies also cover medical and hospital expenses that may be necessary if the passenger is injured and requires hospitalization or some type of treatment. However, it is worth mentioning that this coverage only works within the compensation limit established in the policy.

These limits are stipulated according to a table formulated by SUSEP, which lists all the possibilities of disability that can be caused by vehicle accidents and the percentage that must be paid as compensation in each case.

Who is coverage for personal accidents with passengers recommended for?

It is best suited for people who work with passenger transport, such as taxi drivers and/or app-based cars, companies that work with bus charters, companies that have vehicle fleets and people who work with school transport.

Is APP coverage the same as third party insurance?

It is common for most people to confuse these two coverages, however, they are not the same thing. Coverage for personal accidents with passengers only covers people inside the insured's vehicle at the time of the collision and/or accident.

Third party insurance covers personal or material damage to other vehicles or people involved in the accident. In other words, it covers the other driver involved in the crash.