From Damages To Personal Injuries, Here’s Everything Your Car Insurance Covers

When you turn on the tv or radio, you see many car insurance ads playing now and then. But when it comes to buying, it is as difficult. 

Getting the right car insurance policy is a bit more involved process than finding the lowest price. You must get the right coverage for your car.

After the government norms, it has become a necessity for every car owner to keep insurance of their vehicles. Most of the time, we sign up without reading all the details of an insurance policy. The procedure involves so much paperwork that we often miss out a thorough reading of policy benefits mentioned in between.

Car insurance policy is typical of two types:

  1. Comprehensive Car Insurance: It protects against the loss due to human-made and natural calamity. Apart from covering the damage of catastrophe, it also includes personal accident cover for the owner-driver and co-passengers.
  2. Third-party Car Insurance: It covers the legality for providing compensation to the third-party people who are harmed or die due to an accident caused by your vehicle. The third people can be any person apart from the driver and co-passenger.

The above two significant dividends cover every aspect of car insurance; however, many points are missed while signing up for a car insurance policy.

Here are some of the often-overlooked points:

  1. Car accessories insurance

It may come as an add-on to the basic car insurance which protects all your car accessories against damage. Although it may push up the monthly premium by a fine margin, the price will still be effectively less than the entire cost of accessories. If your vehicle gets involved in an accident, the accessories can be secured against the loss or damage by paying the monthly minimum sum.

  1. Zero depreciation cover

It is an apt cover to be taken against an aging vehicle. It offers coverage without factoring devaluation or depreciation. In simple terms, it means if your car gets damaged in an accident, the insurer is liable to pay you the total amount opted at the time of purchasing the policy. If your vehicle is new, it becomes essential to choose Zero Dep cover for protection against all damages and threats.

  1. Engine protector cover

If in any circumstance your car shows signs of engine failure or damage, the cost is borne by the insurer. For instance, if you get stuck in the middle of the road due to gearbox issues or oil leakage etc. the insurance company will bear the cost of repair for the parts.

  1. Accident shield

If, in any case, an unfortunate event occurs and you get involved in a car mishap, the insurer will pay the whole amount in cases of death or total disability. Apart from the owner, co-passengers also receive protection from the accident shield cover under the car insurance policy.

  1. Towing fee waiver

While driving on highways or in remote areas, if your car faces issues and stops working, the insurer will bear the cost of hauling away your vehicle to the repairing garage. Under the basic cover of the policy, you can claim the cost of towing the car.

  1. 24/7 assistance on the spot

If you get stranded in the middle of nowhere, do not worry; your insurance company has got you covered. The add-on for 24*7 assistance includes facilities like legal assistance, towing truck arrangement, taxi arrangement, fuel assistance, etc.

  1. Document free renewal

In India, purchasing car insurance involves a lot of paperwork. While it is right for a new buy, the restoration of existing policy can be attained document free. The add-on can provide you the facility of hassle-free, document-free renewal of the insurance policy. You can also apply online for the renewal while making the payment in the same way.

Choose what you need

Taking care of your car should never compromise with the lifestyle comforts of your family. Every car owner must be wise enough to choose a plan which fits his/her need while paying less premium. There are many factors which can be used in determining the monthly premium of the policy, such as usage of the car, locality conditions, car model and mileage, etc.

Choose the one fitting best of your needs.

If You Like This Story, Support NYOOOZ



Your support to NYOOOZ will help us to continue create and publish news for and from smaller cities, which also need equal voice as much as citizens living in bigger cities have through mainstream media organizations.

Related Articles