Car Insurance: Even today, owning your own car is considered a dream in the country. Many people work hard for their personal car. There are many benefits of owning your car. You can easily travel anywhere with your personal car. You will not have to depend on any kind of public transport.
In such a situation, if you are also going to buy a new car for the first time, then it is important for you to keep some things in mind. The most important thing in this is to get car insurance. Yes, car insurance is very important. Know in this article what things you need to keep in mind before taking car insurance.
Know these details before car insurance
Before taking car insurance, it is important for you to understand that there are different types of coverage offers available with the insurance policy. You also get many benefits as well. Apart from this, many types of facilities are available for the safety of the vehicle through add on cover.
Know the types of car insurance
Third Party Insurance: In case of any accident, this insurance compensates the owner and the loss of the car. It is mandatory to take this cover.
Personal Accident Insurance: This insurance cover provides complete cover in case the driver of the car gets injured or dies in any accident. This cover is also mandatory in the country.
Comprehensive Insurance: This cover covers damage caused to your car due to natural or man-made causes, such as fire, flood, earthquake, vandalism, riot etc., which also includes any third party liability.
Add on cover is also necessary
EMI Insurance: With the help of this cover, the car loan can be protected from incidents like accidents or any kind of disability.
Pay As You Drive: In this cover you can pay according to your driving. In this, you get the opportunity to pay only as per your need. This saves money.
Engine Protection: Through this cover you can protect the car engine. Also, you remain tension free from any high repairing condition.
Cover on consumer goods: With the help of this cover, you can prevent your high maintenance expenses.
Key Protect: It provides cover if your car key is lost, stolen or damaged in any way.
Roadside Assistance: In this cover, you get service in case of any emergency if the car breaks down or meets with an accident.
Read all car documents carefully
While buying a new car, you should read all the papers of the car very carefully. You need to make absolutely sure that you understand everything in the document. At the same time, if there is any doubt then you should immediately clear it. Apart from this, you should also inquire about renewing the policy.
Maintain car insurance and know how to make a claim
After buying a new car, you have to keep all the papers safe. You can also keep them in a locker or a safe place. You can also keep a copy of these in your phone.
Know how to make an insurance claim
- After any accident with the car, you have to inform the insurance company as soon as possible.
- After this you have to register for claim online or offline with your policy number.
- In case of a car accident, you have to keep a lot of evidence along with its photographs. Also an FIR has to be lodged.
- After this, as per your policy, the car has to be repaired.
- After this, you have to submit all the documents like repairing bill to the insurance company for the claim.
- After all your details are verified, you will be given the claim amount.
You have to keep in mind all the things mentioned above in the article. After completing these properly, you will be able to get a good and useful car insurance.
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