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Yes, both incident and accident car insurance policies may provide coverage for personal injuries, depending on the type of coverage and policy terms. Personal Accident Covers can be added as an additional feature to provide compensation for injuries or accidental death.
Generally, you cannot have two separate full car insurance policies on the same vehicle simultaneously. Insurance companies typically do not allow double coverage for the same risk. However, in some cases, you can have secondary or supplemental coverage, such as gap insurance or rental car coverage, in addition to your primary policy.
Car insurance policies typically do not overlap in terms of coverage. When you have multiple insurance policies for the same vehicle, one usually takes precedence, and the others become secondary. This means that in the event of a claim, the primary policy will be used first, and the secondary policy may only come into play if the primary policy's coverage is exhausted.
Joint car insurance policies, often referred to as multi-car insurance, can be more cost-effective than separate policies for each vehicle. Insurers may offer discounts for covering multiple vehicles under the same policy. However, the exact savings depend on the insurance company and the specifics of each policy. It's essential to compare quotes and evaluate the benefits of joint policies to determine the most cost-effective option for your situation.
Universal Sompo General Insurance Company offers various car insurance policies to meet the needs of car owners. Here are some of the car insurance policy names offered by Universal Sompo:
TATA AIG General Insurance offers a range of car insurance policies to suit the needs of car owners. Here are some of the car insurance policy names offered by TATA AIG:
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