Traffic congested roads, bad road conditions and stress makes it compulsory to have car insurance. Any kind of damage to the car can result in enormous expense. With rising repair costs, even a small repair can be difficult to meet. Also you would get the personal accident cover for yourself and driver, thus saving you cost towards medical expenditure in case of accident. Having a policy brings down your financial burden and helps cope with the situation.
How Does Car Accident Insurance Protect You?
When you have car insurance, you are protected from so many risks on the roads. It protects against damage to the vehicle caused by accident, natural disasters and man-made disasters. It will compensate if you have caused injury to third-party or damage to their property. It also pays out in the event of a personal accident which results in loss of life or permanent disability. In all these situations, compensation from the policy will pay for losses that otherwise would become a liability on you. When you are faced with heavy repair or medical costs, it comes to aid by bringing down heavy financial losses.
A basic policy will not cost much, but will provide a whole range of benefits that will reduce unexpected expenses. You need to renew your car insurance on time and not let it lapse. When the time comes for car insurance renewal, visit the company website, fill the renewal form and submit it. Your renewal is done in just minutes. Alternately, you can visit the insurance provider and renew your policy on time.
In addition to basic benefits, you can opt for additional riders such as:
Personal accident coverage for fellow passengers
Minor breakdowns on the road
Towing your car to the garage
Lost key or emergency fuel
Coverage for invoice price
Daily hospital cash and payment for medical treatment
These add-ons will increase the premium cost but gives vital extra coverage through which you and your family will be protected in the event of loss. Coverage is available for one year only, after which it has to be renewed. You can bring down the cost of premium with a voluntary deductible or through an ARAI approved anti-theft device. If you have cashless coverage, the vehicle can be repaired in any of the garages that falls under the insurers network.
Getting car insurance is very easy as you can easily apply for it online. Online application enables you to get coverage quickly and conveniently, without having to spend time visiting the insurance company. In the event of a car accident claim, you can reach the customer care operating 24 hours a day. You can fill the claims form and submit it with relevant documents online.. If you have any queries about what documents have to be submitted or about the claim process, call up customer care to find out.