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Does Car Insurance Cover Non-Accident Repairs?

Comprehensive auto insurance does not provide coverage for non-accident repairs. Car insurance will be applicable in some circumstances, though. Natural disaster-related damages will be covered if the policyholder has comprehensive auto insurance. Vehicle insurance is necessary to shield the car from potential harm from mishaps or other occurrences. Auto insurance providers provide comprehensive coverage to safeguard car insurance claims against non-accidental repairs.

To comprehend auto insurance coverage, let’s examine what it includes.

What Is Automobile Insurance?

An automobile insurance policy is made to guard your car against unforeseen events that could seriously harm it. The owner can obtain auto insurance to cover the loss or damage to the vehicle by paying a set amount of premiums.

Does Auto Insurance Cover Non-Accident Repairs?

  • The coverage will differ depending on the kind of insurance that has been bought. A person might purchase the absolute minimal minimum, which solely covers the third-party liabilities specified in the auto insurance. Choosing the right kind of insurance for your car is crucial because the Indian government requires third-party insurance. Comprehensive, Third-Party, and Own-Damage insurance are the three primary types of auto insurance.
  • Both accidental and non-accident repairs are covered by comprehensive auto insurance coverage in a car insurance claim. Before you buy car insurance, don’t forget to study the policy specifics because some services might not be available. For coverage options not included in the comprehensive auto insurance policy, add-ons can be purchased individually.
  • Comprehensive car insurance excludes some non-accident repairs, such as those brought on by normal wear and tear. The owner won’t have to bear any unexpected costs for damages brought by catastrophes like man-made and natural calamities.

What Does Auto Insurance Not Cover?

Let’s look at some of the things that auto insurance does not cover to understand it better.

  • Personal items – If a car is broken into and personal items are stolen, the insurance will pay for the damage to the vehicle. Unless they choose an add-on, the owner will not be compensated for items that have been stolen.
  • Regular automotive use-related damage – With time, a car naturally ages and requires servicing and maintenance to function correctly. Comprehensive auto insurance does not cover these repairs.
  • Using a personal vehicle for business purposes – If it is determined that a personal vehicle is being used for business purposes, any accidents will not be covered by insurance.
  • Driving without the required paperwork – Drivers must have the required paperwork with them when they travel, including their driving licence, PUC certificate, automobile registration certificate and insurance policy. Without these documents, the insurance will not pay for the damages.
  • Lack of a legitimate auto insurance policy – The Indian Motor Vehicles Act, 1988, mandates possessing a valid auto insurance policy for anyone operating a vehicle on public highways. Any damages brought on by an occurrence will not be covered by invalid insurance. Make sure you renew your car insurance on time.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

 

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