For many people car is next to love. And if you are one of those people, then you need to ensure that your car is safe all the time. The best way to do is to get a car insurance. While you can always go the extra length of getting a full cover, it is mandatory under Vehicles Act to have working insurance plan on your vehicle. Paying for repairs done by others is the most heart-wrenching thing. For this reason, there is third-party car insurance in existence. You get covered for any damages done to your car by third-party vehicle.
Before buying any particular car insurance, you need to compare car insurance online India. The premium rate on every type of car insurance differs and for this reasons you need to check them before closing in a deal.
The car insurance policy that you will finally go for will depend on various factors and the cover you get will also differ. The foremost factor on which the minimum amount of your cover depends includes the make and model of the car.
You can be rest assured that any type of car insurance policy will cover the following high risk categories.
- Accident or collision cover
This one covers all the repairs in case there is any damage to the insured car. And also provides cover for any injuries sustained by the policy holder.
This includes all the damage caused by natural calamities like earthquake, explosion, fire, flood, falling objects, hurricane, landslide and others.
- Medical or Personal Injury Protection (PIP)
This clause in the policy will cover the expense for the treatment of the occupants in the policy holder’s car at the time of the accident. All the hospital bills and other expenses included.
- Bodily Injury Liability
In case the policy holder lands in any trouble and injures any third party or the accident results in the death of a third party, the insurance covers that. All the expenses are covered and any legal obligations or problems are avoided.
- Uninsured Motorist’s covered
This clause covers all the expenses that are incurred by the insurer when they are injured in an accident with an uninsured driver or car.
- Property Damage Liability
If the policy holder damages any third party’s property, then it is covered under this clause. The expense of the cover is mostly defined.
So, when you compare Car Insurance Online Policies India, ensure you check out these factors.
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