Car Insurance

covers your car against risks like theft, accident, explosion etc.

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What is Covered in Car Insurance Policy?

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Car insurance is mandatory and is an important part of your driving experience. There is good reason why car insurance cover is mandatory, whether you drive regularly or occasionally. Apart from the obvious fact that you buy car insurance so that you are covered of the financial risks associated with an accident, there are a few other things that you get with insurance cover. And it does help to know what is covered in car insurance Policy when you buy car insurance.

Coverages:

Physical injury liability cover:

There is a good chance that an Accident could result in physical injury to third party. You could be covered for physical injury caused to third party even with cheap car insurance. However, the point to note is that medical costs have been skyrocketing over the past few years, and it would not be a bad idea to have sufficient Coverage in car insurance to account for the high costs of medical care and treatment in the aftermath of bodily injury to third party.

Personal Injury Protection:

While you may have Insured for damages to your car and physical injury liability to third party, it is important to ensure that you or a passenger in your car is also protected from financial shocks with your insurance policy. Personal Injury Protection is much more than merely taking care of your medical costs – there are Riders attached to your insurance cover, which could effectively compensate you for lost wages as well as other expenses associated with an accident.

Collision Coverage:

If accident has resulted from your having collided head on with another car or vehicle, your car insurance cover would ensure that the expenses that you incur on account of the accident are accounted for. There is coverage in car insurance that would take care of all expenses involved, apart from deductibles, which you would have to spend off your pocket. If it was not your fault, your insurance policy would come into play to get the expenses reimbursed from the car insurance cover of the third party involved in the accident.

Property Damage Protection:

You could get cheap car insurance that would protect you from liabilities associated with damage to property. Whatever object that you may have bombarded into or caused damage to, your car insurance would take care of the damage caused in the process.

Comprehensive Car Insurance:

There are many who prefer this kind of car insurance cover to protect their interests against all and sundry. While the exact specifications and definitions may vary from one insurance policy to the other, you could expect coverage in car insurance such as protection from damages caused by natural calamities as well as man-made factors, personal accident cover, as well as third party cover, when you buy car insurance of a comprehensive nature.

Riders (add-on car insurance):

The good thing about insurance policy is that you could enjoy high levels of customization when you buy car insurance. There are many add-on advantages that you could opt for with a slightly higher Premium paid, as in the case of Depreciation reimbursement, return of invoice, windshield cover, hospital cash cover, and roadside assistance cover. While the list is not exhaustive, you could check with your insurance policy when you buy car insurance. The increasing number of add-on options provides many reasons to smile, when a basic version of cheap car insurance may not suffice.