Car insurance in India generally does not cover mechanical issues or failures. Standard car insurance policies typically focus on providing coverage for accidental damages, theft, and third-party liability. Mechanical issues, such as engine failures, transmission problems, or other breakdowns due to wear and tear or mechanical malfunctions, are generally excluded from coverage. These types of issues are considered maintenance-related and are the responsibility of the vehicle owner. It's important to note that car insurance is not a substitute for regular vehicle maintenance and servicing. It is advisable to consult with your insurance provider to understand the specific coverage and exclusions outlined in your policy.
Does Car Insurance Cover Windshield Replacement?
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.
Will Auto Insurance Cover Pre Existing Damage?
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.
Will Car Insurance Cover Flood Damage?
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.
Will Car Insurance Cover Medical Bills?
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.
Will Car Insurance Cover Water Damage?
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.