Car insurance are just a simple insurance plans that cover protection of you car against risks of losses or accidents. It is a contract between the owner of the car and insurance company. The contract says that the car owner will pay premium money to the company and it in return agrees to pay any losses to the car as it is defined in the policy. Car insurance is mandatory for all cars, whether it is for commercial purpose or is used personal purpose.

The features of Car Insurance

• The first feature is to provide protection to the car owner against losses that may incur due to traffic accidents.
• The insurance company also provides liability, property and medical coverage to the owner of the car.
• The property coverage is paid to the owner for theft or damage of the car.
• The liability coverage is paid by the insurance company for the legal responsibility to others who are bodily injured or any type of property is damaged.
• The medical coverage is the reimbursements of the treatment cost of the injuries, the rehabilitation and also sometimes to the lost wages or funeral expenses.

There are three levels of car insurance. Those are as mentioned below:

• The insured party
• The insured car
• Third parties

The claim procedures of car insurance are as mentioned below:

• The insured should mention the other car's number if it is an accident or in case of third party claim.
• The witnesses names should also be mentioned.
• An FIR has to be filed to the nearest police station.
• The insured needs to contact the insurance company to file a claim and collect the claim number.
• A surveyor calculates the approximate value of damage or loss.
• The insurance company sends money to the insured based on the reports of the surveyor.

The below mentioned documents are required for car insurance claim:

• Duly signed claim form
• A copy of RC of the car
• A copy of driving license
• FIR
• The original estimates
• Invoice of original repair or receipt of the payment from the service center.

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