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Car insurance policies in India typically do not cover loss of income. Car insurance primarily focuses on providing coverage for damages to the vehicle, liability for third-party injuries or property damage, and personal accident coverage for the occupants of the insured vehicle. Loss of income or any financial repercussions resulting from a car accident or incident are generally not included in standard car insurance policies. Car insurance is primarily designed to address physical damages and liability aspects rather than compensating for financial losses or income disruptions. It is advisable to review the specific terms and conditions of your car insurance policy or contact your insurance provider directly to understand the coverage exclusions and limitations related to loss of income in India.
Car insurance typically covers windshield replacement, but it depends on the type of coverage you have. Comprehensive coverage often includes protection for windshield damage caused by various factors, such as accidents, falling objects, or weather-related incidents. However, you may have a deductible to pay before the insurance kicks in. Some policies offer additional coverage, commonly known as "full glass coverage," which may cover windshield replacement without a deductible. To know the specifics of your coverage, it's essential to review your policy or contact your insurance provider.
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.
Car insurance in India typically covers flood damage under the comprehensive component of the policy. Comprehensive coverage is designed to protect your vehicle from various perils, including natural disasters like floods. However, specific terms and conditions may apply, and it's crucial to review your policy to ensure you have this coverage.
Car insurance can cover medical bills for bodily injuries resulting from an accident. If you or your passengers are injured in an accident, your policy's Personal Accident Cover will provide compensation for medical expenses. This coverage is often optional and can be added to your standard car insurance policy.
Car insurance in India typically covers water damage to your vehicle if you have a comprehensive insurance policy. Comprehensive coverage includes protection against a range of perils, including natural disasters like floods. However, you should review your policy to ensure that water damage is included, and you may need to pay an additional premium for this coverage in some cases.
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