Car Insurance Coverage
There are 3 other types of car insurance coverages available in India
Collision Coverage-This covers your vehicle only in the case of an accident, which includes repair expenses to your vehicle. Unlike a comprehensive cover, this only covers the vehicle in case of a collision and not in any other circ*mstance.
Personal Injury Coverage-This cover protects the owner-driver and the passengers in case of an accident. The medical bills and hospitalization charges are all covered by the insurance, not considering whose fault it was.
Uninsured Motorist Protection-This is a type of insurance that comes handy if you are hit by another vehicle and the at-fault driver doesn’t have car insurance to cover your repair damages. Typically, any repair or medical bills should be covered by the at-fault driver’s auto insurance. However, if the at-fault driver doesn’t have it then you will have to pay it out of your own pocket. An uninsured motorist protection policy covers you against such expenses.
Car Insurance Add-ons
The other important thing that is available only with a comprehensive insurance cover, are some important addons. Let’s see what they are:
Zero Depreciation cover
Your car depreciates i.e; the market value drops by very passing day since its purchase. This cover ensures that your car is just as valuable as the insurer will not consider depreciation during the final settlement. Know more about Zero Depreciation Car Insurance.
Engine Protection cover
This covers the financial protection for damages caused to the engine and gear box in case of water damage, leakage of lubricating oil etc. Know more about Engine Protection cover.
Roadside Assistance (RSA)
This cover comes handy when you’re stranded on the road due to car breakdown. The RSA will come to your rescue and repair your car or take it to the nearest service center.
Consumable cover
This covers the consumables of your car. This includes the lubricating oil, nuts, screws and bolts etc.
Return to Invoice cover
This ensures that in case of theft or total loss you get the ex-showroom price of your car as a compensation and not just the IDV or market value. Know more about RTI in car insurance.
Passenger cover
Passengercover ensures that not only you but everyone else who is travelling with you, or the passengers in the car are covered too against any emergency.
Tyre Protect Cover
Generally, tyre damage isn't covered in standard insurance unless the damage takes place during an accident. That's why thistyre protect add-ongives you the benefit to safeguard and cover for tyre damages such as tyre bursts, bulges or cuts during all other situations possible.
Which is a better Car Insurance?
Taking a comprehensive car insurance cover is always advisable as it provides complete protection of not only someone else’s car like a Third-Party car insurance, but also the Own damages to your car, as well as any injury to the owner driver.
Also, with a comprehensive cover, the service benefits are a great addon: Pick-up Repair and Drop with a 6 months repair warranty in over 6000+Digit authorized cashless garages, Smartphone enabled self-inspection are some of the benefits that we offer atDigit.
Do choose your car insurance wisely, so it covers you completely when you are in need!
