Go to Online web aggregator PolicyBachat compare quotes with different insurance companies suit the one which suits your needs. Car insurance is essential for everyone. It is not just the case that you need to have it, but also how to get it. Insurance policies are a must-have for every car owner in India. The Indian government has made it compulsory for all vehicles to have insurance since 1st April 2017 and this can be done either by buying a policy or through an online application process.
This is applicable on both private and commercial vehicles. All drivers must also carry Comprehensive Third Party Insurance which covers medical expenses, vehicle damage and personal injury caused by the driver or passengers of the other vehicles.
How Can I Check My Car Insurance Claims History?
To check your car insurance claims history in India, follow these steps:
- Contact Your Insurance Provider
- Request a Claims History Report
- Provide Necessary Information
- Receive the Report
- Review the Report
Remember that different insurance companies may have slightly varying procedures for accessing your claims history, but contacting your insurer is the first and most important step in obtaining this information.
Will My Car Insurance Cover A Rental Car?
In India, whether your car insurance covers a rental car depends on your specific policy. Many car insurance policies offer an optional add-on called "Rental Car Coverage," which, if selected, can extend your coverage to rental vehicles. However, it's crucial to review your policy documents or contact your insurance provider to confirm the extent of coverage for rental cars. Keep in mind that there may be restrictions and conditions, such as the type of rental vehicle and the duration of coverage.
Will My Car Insurance Cover Me in Another State?
Regarding car insurance coverage in another state, car insurance policies in India typically provide coverage across the country, so you are generally covered when driving your vehicle in another state. However, it's crucial to review your policy terms and conditions to ensure you are aware of any specific requirements or limitations when driving in different states. Some policies may have conditions related to the duration of your stay in another state or may require prior notification to the insurance company, especially for long-term relocations. It's wise to verify your coverage with your insurer and understand any regional variations or additional endorsements that might be necessary when driving in other states.
Will My Car Insurance Increase After Claim?
In India, whether your car insurance will increase after making a claim depends on several factors. Generally, filing a claim may lead to an increase in your premium during policy renewal, as insurance companies consider you to be a higher risk. The extent of the increase often depends on the severity of the claim and your claim history. If it's a minor claim, the increase might be modest, but for major claims, the premium increase can be substantial. It's essential to check with your insurance provider for specific details regarding premium adjustments after making a claim and explore options for maintaining or reducing your insurance costs.
Does Liability Insurance Cover My Car If Someone Hits Me?
No, liability insurance does not cover your car if someone else hits you. Liability insurance is designed to cover the costs of injuries and damages you cause to others in an accident for which you are at fault. If someone else is at fault in an accident and damages your car, their liability insurance should cover your vehicle's repair or replacement. If the at-fault party does not have insurance, you may need to rely on your own uninsured/underinsured motorist coverage or pursue legal action against the responsible party to recover the costs for your car's damage.