Скачать или смотреть Car’s Insurance | कार का बीमा

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1.Financial Protection Against Damage: Car insurance covers repair or replacement costs for your vehicle if it's damaged due to accidents, theft, fire, vandalism, or natural disasters like floods or earthquakes. Comprehensive policies often include "own damage" coverage, protecting your car from these perils, while collision coverage specifically handles damages from crashes with other vehicles or objects.
2.Third-Party Liability Coverage: Mandatory in many countries (e.g., India under the Motor Vehicles Act, 1988), third-party insurance covers financial and legal liabilities if you cause damage to someone else’s property or injury/death to another person in an accident. This shields you from legal battles and compensation costs.
Personal Accident Cover: Many policies include personal accident coverage, which pays for medical expenses, disability, or death resulting from an accident. This can cover the policyholder, passengers, or even medical bills regardless of fault (e.g., Personal Injury Protection or PIP in some regions). Coverage limits can go up to ₹15 lakh in some cases.
3.No Claim Bonus (NCB): If you don’t file a claim during the policy period, insurers often reward you with a discount on your premium at renewal, potentially up to 50% after five claim-free years. This incentivizes safe driving and reduces long-term costs.