[A282]

automobile death and disability coverage

A form of accident insurance coverage available under a private passenger automobile liability policy where the insurer pays a principal sum for accidental death, stated benefits for specific injuries (such as loss of limbs, fractures, etc.), and weekly indemnity for total disability. Covers accidents while traveling in an automobile, including getting in and out of, or by being struck by an automobile. An extra premium is charged for this coverage which is available to the policyholder, a spouse, or any other named person.