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Car insurance very is necessary. It is a legal requirement to have a minimal level of insurance before driving a car in India. Coverage would differ by product, however following is a list of possible car Insurance coverages.
-It covers bodily injury claims of people who get injured in an accident.
-It covers property damages to third parties such as another person's car.
-Medical payment is done to the policy owner and other passengers in the policy owner’s car.
-Uninsured and under insured motorist coverage. This coverage protects you when the negligent driver has no insurance or insufficient insurance. In most states, this covers only bodily injury losses, though some states do include property damage losses.
For every claim free year, the insured is rewarded with discount on the renewal premium. This discount is called - No Claim Bonus (NCB). It is cumulative and increases every year. It usually ranges from 10% to 50% and can save a substantial amount of money on your premium.
