You take special care that there is no damage to your shining car or where the hard-working car is taken! But there are very few people who are interested to know about the utility of car insurance and the facilities available from it.
But if you have a car, you are planning to buy a car in the future! So it becomes very important for you to know about car insurance and all the facilities available with car insurance! That’s why in this article we will try to give you complete detail information related to car insurance! ,
Car insurance proves to be very beneficial at that time, when the vehicle is damaged or you get injured in an accident, it helps to compensate for the damage caused to you and your car, so let’s learn about car insurance in Hindi in this way. Let’s start the article.
Car insurance is that insurance cover! Which helps you to compensate for the damage caused to your car in the event of car theft, accident or other kind of accidental incidents.
That’s why it becomes mandatory for a person who has a car to get car insurance in India! Car insurance is also called motor insurance. If there is any damage to your car in case of car theft, accident or flood, storm etc., then this motor insurance covers you and your car for that damage.
Note – If the car and the driver are damaged in an accident but he does not have any type of car insurance coverage at the accident site! In this situation, the person will have to compensate himself for the entire damage caused to his car.
And the insurance company will not be able to help you! And in this situation, legal action can also be taken against you, so it is necessary in all the states of India to always keep the insurance documents with you while driving the car.
So friends, after understanding what is car insurance? Car insurance is the solution to many car related problems! If you have not got it done till now, then now we will know what are the benefits of taking it!
Is it necessary?
Yes, the special benefit of getting car insurance is that it is necessary! Under the Motor Vehicles Act 988, if a person drives a motor vehicle on the road, then that motor vehicle must be insured. Therefore, if you do not insure your car, you can be fined heavily if caught.
Benefits Of Car Insurance
protection from third parties
In a road accident, if your car collides with another person or causes any other damage, then the insurance company also bears the cost.
damage caused to the car
If the car is stolen, it suddenly catches on fire! Even in the event of natural calamities like earthquake, flood, storm, if there is any damage to your car, then the car insurance company takes responsibility for it and the owner of the vehicle is given its claim.
In a car accident, the death of the driver or injury to the body of the owner of the car occurs, in this situation also a car insurance claim is available. In a situation where the driver dies of permanent disability and death, the insurance provides financial assistance.
Thus car insurance becomes essential in future to protect not only the car but also your family.
Because the coverage of up to ₹ 200000 can be obtained in the damage caused to the driver while traveling by car.
But friends, after understanding the benefits of car insurance, it is also important for us to know that.
What Is Not Available In Car Insurance?
Well, car insurance has many benefits for you and your car! But if the following situations arise then you will not get the benefit of car insurance.
- If you drive another person’s car, you will not get any benefit from your car insurance in case of an accident with that car.
- When someone without insurance drives your car
- You do not get any benefit of car insurance in case of any damage to the car or you in case of drunken driving or drug abuse.
- If the driver driving the car does not have a valid license authority
- Damage caused by mechanical or electrical defects in the car
Some items present in the car that should not be present inside the car. Even if they are present in your vehicle, you may face problem in getting car insurance.
Friends, here are some things you have to keep in mind to take advantage of car insurance.
How To Take A Car Insurance Claim?
If you want to take a car insurance claim in the event of an accident, then you have two ways either you can get the claim online! There are many such insurance policies today from where you can buy an insurance policy for your car online! Also you can get claim online only. Apart from this, you can get your car repaired for free through the cashless garage facility of the car insurance company.
If your car is outside the garage network of the company, you can still claim compensation from the company in which the company will fully assist you.
What Are The Types Of Car Insurance?
types of car insurance in Hindi Mainly you get to see two types of car insurance in India.
Third Party Insurance
It can be called a compulsory insurance! Which is a must for all vehicle owners! Third party insurance is a must if you have a car! Through this insurance, if your car causes any injury to the person’s vehicle or his body at the accident site, then this insurance covers the compensation for the loss of that third party.
Friends, if we talk about the premium of this insurance, then it is very less, because in this you do not get any coverage in case of damages other than limited facilities i.e. accident, theft.
Also, this insurance works only to compensate for the damage caused to another person or his car! You do not get any benefit for the loss caused to you.
Comprehensive Car Insurance
Friends, this is an optional insurance! That is, to take or not to take insurance depends on the will of the owner of the car as its premium is high. And it provides security coverage to the car and the owner of the car in accidents caused by car accidents.
If you have taken Comprehensive Car Insurance then it covers personal loss as well as damages caused by road accident, car theft or fire in the car.
But talk about its premium, although if you get this insurance done in comparison to third party insurance, then the premium will be slightly higher, but a lot of facilities have been given in it. It has the facility of cashless garage network so that you can get car repairing done for free.
Apart from this, this insurance is helpful in compensating if you and any third party do not suffer any damage in a road accident! It also covers loss of work in natural calamity.
Thus, out of these two plans, however, you will have to spend a little more money in a comprehensive car insurance plan! But here this insurance plan provides protection not only for the car but also for you.
Things To Keep In Mind Before Buying Car Insurance
Before you buy a car insurance policy, do not forget to compare the car insurance companies! And make sure that how much coverage is being provided in this insurance policy, and how much premium you have to pay for the policy! Buying car insurance can prove beneficial for you only after making this comparison.
Apart from this, it is also very important to see the network of garages of that company because it helps you to get cashless claim.
So friends, thus end today’s article here, hope you have car insurance in today’s article? And you must have got many useful information related to car insurance! Apart from this, if you have any question related to car insurance, you can ask it in the comment box, as well as if you find the information useful, then share it on social media! And also inform other people about car insurance.