On December 13, 2018, as per notification of Insurance Regulatory and Development Authority of India (IRDAI), customers would be covered under standalone compulsory personal accident (CPA) from January 1, 2019. IRDAI introduced standalone PA cover where a single PA cover can be taken for multiple vehicles. Additionally, if an owner-driver has a 24 hour personal accident cover against Death and Permanent Disability (Total and Partial) for CSI of at least Rs 15 lakh, no separate CPA is necessary.