Motor insurance for auto owners is compulsory by law and it is a legal necessity to own at least minimum insurance level before taking a vehicle on roads in India. Type of auto insurance coverage varies with insurance product.

Given below are some types of auto insurance covergae

 

Medical payments

This payment is specifically for policyholder and other passengers in the covered vehicle.
 

Property Damage Liability

This coverage type includes property damage cover to third parties such as another person’s car.
 

Bodily Injury Liability

 
It covers bodily injury claims of those who got hurt during an accident.
 

Underinsured / uninsured Motorist Coverage

 
It secures auto owner when the careless driving person has no policy or has insufficient coverage.
 

Physical Damage Coverage

This type of coverage includes losses resulted due to a collision. It also covers non-collision physical damage in case your vehicle is dented in windshield breaks or storm etc.
 
Mainly car insurance coverage is differentiated into two major categories such as third party car insurance policy and comprehensive vehicle insurance online.
 
Comprehensive auto insurance secures against loss/damage caused to the insured car and its accessories as a result of man-made and natural calamities. It involves personal accident cover for driver of the vehicle and passengers. The third party legal liability cover protects the auto owner against legal liability leading due to an accident causing any permanent injury or death or damage to the property.