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How To Improved Comprehensive Car Insurance In One Lesson
You already know that you have to pay a fine if you drive on the road without insurance. That's why you first rush to your nearest dealer to renew your car insurance. Because you believe that the showroom from which you bought your car will tell you the right way. Maybe they just gave you third-party insurance, saying it would cost you less. You are deprived of a comprehensive car insurance policy.
Friend, this is probably the normal way to go. But this is again the cause of the problem.
Where is the problem then? Yes, you will understand the problem only when you go to claim the loss of your car. This means that when you make a claim, the company informs you that you will not get the benefit of such a claim. So what do you do? Here are a few things to know before you buy your car insurance. So let's come to the main part of the discussion.
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We will know everything at a glance in this post on comprehensive car insurance.
- Why do car insurance
- How many types of cars are insured
- Who are the first party, second party, and third party
- Third-party insurance
- Comprehensive insurance
- Add on
- Zero Depreciation Insurance
- Return to invoice
Why insure someone?
You need more than luck to succeed in the affiliate business. You may encounter an accident at any moment while you are driving on the road.
Maybe it's because of some problem with your car's engine, or a sudden breakdown or someone pushes you in the other direction, or your car pushes into a road divider or light post to save an animal.
In each case, they have seized it, despite obstacles we can scarcely imagine. In that case, if you have insurance then you will get compensation. That's why we need to have car insurance to protect ourselves from sudden expenses.
Besides, it is not wise to pay fines for breaking traffic laws. That is why it is very important to ensure your car.
Related Post: 5 precious tips to help you get better at car insurance
How many types of cars are insured?
There are usually four types of insurance.
1. Third party insurance
2. Comprehensive insurance
3. Zero Depreciation Insurance
4. Return to invoice
Who are the first party, second party, and third party?
In insurance terms, first-party in terms of coverage means the owner of the car. In this case, if you are the owner of the car and there is a collision of another car with your car or any other damage to your car with you, then the coverage that the insurance company will cover is first-party insurance coverage.
The Second Party is the insurance company that will carry the coverage.
And the third party is the third party insurance coverage that the company will bear for the damage caused to any other person, car, or property due to your car.
Third-Party Insurance:
First of all, if you want to drive on the road, you have to have third-party insurance. If you do not have third-party insurance, you will have to pay a fine. Let's come to what is third party insurance? Giving an example will make things easier. Suppose your car collides with another car. And it was your car's fault. And it showed that the damage to your car was the same as the damage to the other car. In that case, if you have third-party insurance, the insurance company will give insurance coverage to another person based on the report of the police FIR. The name of this insurance of insurance company is Third Party Insurance.
Comprehensive insurance:
Comprehensive insurance is also called first-party insurance. The reason for comprehensive insurance is to ensure your vehicle for safety reasons. That is, if your car hits another car and causes considerable damage to the other car, then your third-party insurance will cover that person's car insurance but your car is also damaged? In that case, who will pay for the damage to your car? This is where you need a comprehensive insurance policy. In other words, you will get the damage to your car in that collision if you have a comprehensive policy.
Now the question is will the company pay you the full cost? No friends, the company will not pay you the full cost. How much the company will pay will depend on the insurance policy of different companies. Here the company will compensate 100 percent if any metal parts of your car are damaged.
If your car's plastic parts are damaged, the company will give you up to 50% coverage. It will also carry 50% if your car glass is broken. And even if your car's tires are damaged, the company will give you up to 50% coverage.
However, in all cases, you have to bear the company's file charges. Now the question is do you have to spend 50% in all cases? Yes. But here comes the question of add-on policy.
What is an add-on?
You get first-party coverage when you take out a comprehensive policy. But not quite. That's why you decided that you want to add something to your comprehensive policy. So that the company bears all the damage to your car due to the accident. The means to get this benefit is an add-on.
Zero Depreciation Insurance
Zero Depreciation Insurance is that when you buy a comprehensive insurance policy you will get some additional benefits by increasing the amount of your premium. What's the benefit? The advantage is that in case your car is damaged in an accident, the company will bear all the cost of your car.
Then you don't have to spend an extra 50% in the case where you have to spend as per the rules of comprehensive policy. However, it is better to say that in this case, you have to pay the money for the filing charge according to the rules of the company.
You will also need to pay the salvage cost. One thing to keep in mind here is that your new car will get this benefit in five years only due to two accidents. You will not get this facility during the third accident.
Return to Invoice:
If you have the benefit of a return to invoice add-on with a comprehensive insurance policy, your biggest advantage is that you will get the full value of your car if your car is involved in an accident within three years and cannot be removed in any way. . In this case also you have to pay an extra premium.
Conclusion:
When it comes to buying car insurance, we often go out on the road with only third-party insurance, in which case there is a lot of risks. That's why we should take the comprehensive car insurance for safety. So I would say that when you insure your car, you should know it well. Don't just rely on agents. Only insure before knowing the premium.
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