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A car insurance provider can be changed upon the expiry of the current car insurance policy. In an extreme situation, a car owner can also buy another policy if he/she has had a bad claim experience with the current insurer.
The current insurer can be changed by looking for a new car insurance company and buying (or) renewing car insurance policy from the new insurer. All you have to do is conduct a small amount of research while selecting the new insurer and then buy a policy to avoid a bad experience.
The insurance company will determine fault in an auto accident based on the following factors:
Yes, Car insurance companies refuse to pay when the customer violates the contract by breaking it. Depending on the car insurance company, claims can either be denied or approved.
No, your insurance company will not require you to take a drug test to purchase a car insurance policy. An insurance company will also never require a drug test if you are involved in an accident. However, if you are in an auto accident and driving under the influence is suspected, then law enforcement may request or require a drug test, depending upon the situation. The information regarding the accident and the results of any tests performed can then become available to the insurance company.
The Insurance Regulatory and Development Authority of India (IRDAI) regulates car insurance companies in India. IRDAI is an autonomous regulatory body established under the Insurance Regulatory and Development Authority Act, of 1999. Its primary role is to protect the interests of policyholders and ensure the stability and growth of the insurance industry in India. IRDAI sets guidelines and regulations for insurance companies, including car insurance providers, to ensure fair practices, financial solvency, and consumer protection. It monitors the insurance companies' compliance with regulations, approves insurance products and premiums, and resolves disputes between policyholders and insurance companies. The IRDAI plays a crucial role in maintaining transparency, accountability, and reliability in the functioning of car insurance companies in India.
Car insurance companies typically ask a number of questions after an accident to determine the details of the incident and assess the claim. The questions asked by car insurance companies after an accident will vary depending on the specific policy and the insurance company. It is important to provide accurate and detailed information to the insurance company to ensure that the claim is processed quickly and efficiently. Some of the common questions include:
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