Insurance company in pune - Top insurance companies in india- If you are driving an automobile, there’s a good chance that you have car insurance to protect you and your passengers in the event of an accident or other incident that could harm you or them. But why exactly do you need motor insurance? If you’re like most people, you will be glad to know that your motor insurance policy can cover several very important things, including medical expenses incurred by passengers in your vehicle as well as your own injuries.
Comprehensive Insurance
Your car is most likely your biggest investment, and you want to be protected in case of damage or theft. Comprehensive coverage can help pay for damage to your vehicle from a variety of perils. These perils may include fire, windstorm, vandalism, theft or collision with an animal. It will also pay to replace your totalled car if it’s not worth its original value once repairs are complete. This kind of protection is offered by all reputable insurers—but some offer more comprehensive coverage than others. Always read through your policy carefully before buying to make sure that you have adequate coverage for any potential mishaps.
If You Choose Not To Buy Comprehensive Insurance: If you choose not to buy comprehensive insurance, you might have trouble selling your car later on. Most lenders require cars sold as used to have at least three years of reliable service left after they are financed.
Third-Party Insurance
With third party insurance, your own car is not covered in case of an accident. The third-party cover comes in two forms, one for fire and theft and another for comprehensive. Comprehensive cover offers protection for incidents that are beyond your control—like damage from hitting a pedestrian. Both types of cover also provide third-party liability coverage, which ensures that you’re protected if you cause damage to other people or their property.
Fire and Theft
If your car is damaged in a fire or stolen, you could be liable for an expensive claim. Motor insurance helps protect you against these events – but that doesn’t mean you should write off their importance. Without cover from fire and theft, it’s very likely that you won’t be able to recover costs from an incident like these. Which means lots of potential expenses – as well as negative marks on your credit rating.
Roadside Assistance
People tend to take roads for granted, assuming they will always be there when they need them. But what happens if an accident occurs or your car breaks down on a deserted highway at night? It’s not impossible that you’ll be stranded without phone reception or another vehicle. In those situations, it might be in your best interest to take out roadside assistance insurance so you can get home quickly and safely.
Personal Accident
When you’re injured in a car accident that wasn’t your fault, then Personal Accident could give you financial support to help pay for: medical costs, rehabilitation, death-related expenses and more. Many policies also provide replacement or income protection if you are unable to work because of an injury sustained in an accident with another vehicle or as a result of an illness/injury caused by an accident while travelling on public transport. If someone is killed while travelling as a passenger in your vehicle, their dependents may be eligible for compensation – it depends on how much cover they have through their own policy.
Theft Cover
Protecting yourself against theft is one of your legal obligations to run a car. It’s also an important consideration for any driver who wants to see their money go further. After all, there’s no point spending money on a new set of tyres if thieves are going to make off with your wheels and leave you at a loss for what could have been considerable savings.
Hospital Costs Cover
If you have an accident, whether it’s your fault or not, hospital costs will be covered. This could save you thousands of pounds, as well as any hassle of filling out paperwork. There is a limit on how much you can claim and it won’t cover all of your treatment costs.
No Claim Bonus (NCB) Section
When you pay for car insurance but don’t claim, your insurer will reward you with a No Claim Bonus. NCB can help you save up to 30% on your annual premium! (For example, if your annual premium is 500 Rs. and you don’t make any claims during that year, your NCB could be worth as much as $210.)
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