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Types of Motor Insurance Coverage

​As it is made aware at the time of purchase of vehicles that vehicle insurance is a mandatory thing and not buying one may result in penalty. Not only it safeguards the vehicle owner from any uneventful circumstances like theft, or collision of the car, it also helps in providing suitable reimbursement to the car owner if the car is duly insured. 

It is always important to understand the types of coverage being provided for the vehicle and what is the necessary coverage’s to be bought for the vehicle.  It is always advisable to go for full types of coverage. There are certain types of coverage are which are being provided by the insurance companies, so here we will try to list some of them. It depends on the car owner to opt for the best coverage for the vehicle. 

Collision of the vehicle
This is the most important type of coverage being provided which takes into the consideration the collision of the car with some other vehicle. It provides coverage for the harm done to the body of the car. Sometimes it also takes into the consideration whether the person driving the car was under the influence of drugs, alcohol or any other narcotic substances. If the vehicle with which the car collided is also insured, the same can be taken care of by the other vehicles insurance.

Bodily Injured liability
It covers the injury caused to some other person as a result of accident by the vehicle owner who is insured or some other member of the family who also is part of the policy. It is also important to understand in this case the scenarios under which the claims can get rejected.

Damage to property
This clause takes care of the damage to the property of the third person by the insured vehicle. If the value of the damage is not so high, it gets fully paid by the insurance company. 

Comprehensive coverage
Vehicles owners in Kolkata should opt for this type of coverage which is a must for it covers the vehicles getting physically damaged due to natural disasters like earthquake, heavy rainfalls. Kolkata city usually sees such heavy rainfalls in monsoon so it is advisable to buy proper car insurance in Kolkata​

Uninsured and Underinsured Coverage 
Under this coverage, the reimbursement is provided when the vehicle meets with an accident with a vehicle which is not insured. It also takes care and protects you if you are hit by a vehicle as a pedestrian.