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When the driver is at fault if a car hits the cyclist the at-fault driver's auto liability coverage can pay for the cyclist's medical expenses and the cost to repair or replace the bike. There are a few instances where auto insurance does not cover the costs of accidents involving bicycles. In most cases, car insurance covers the cost of damages to your car, so it is important that you know what to do if you are in an accident with a bicycle. If you have comprehensive coverage on your auto insurance policy, then most likely it will cover the costs of damages to your car and anything else that is covered by comprehensive coverage. However, if you have collision coverage on your policy and the bicycle was involved in an accident with your car, then collision coverage will not cover this type of accident.
Several factors can contribute to high auto insurance premiums, including your vehicle's make and model, location, driving history, coverage choices, and add-ons. Review your policy to see if there are ways to reduce your premium, such as adjusting coverage or shopping for better rates.
Auto insurance is necessary in India for several reasons. It provides financial protection in case of accidents, theft, or damage to your vehicle. It is also mandatory to have at least liability insurance to cover third-party damages and bodily injuries, ensuring that you comply with the law and protect yourself and others on the road.
Auto insurance in India generally does not cover pre-existing damage to your vehicle. Pre-existing damage is typically excluded from coverage because insurance is meant to address unforeseen events and accidents. It's important to maintain your vehicle in good condition and purchase insurance for future incidents rather than pre-existing issues.
Auto insurance premiums can increase due to various factors, including at-fault accidents, traffic violations, changes in your location, adding a new driver to the policy, and changes in your vehicle. Additionally, inflation and rising repair costs can contribute to premium increases.
To save on auto insurance premiums, consider maintaining a clean driving record, bundling policies, increasing deductibles, taking defensive driving courses, and shopping around for competitive rates.
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