Collision insurance, ek aisi qisam ki gari asurance haijo aapko ek hadsat ke doraan nuksaan hone par cover kar sakti hai.
Yeh liability insurance ke mukhtalif hai, kyunki aapki collision insurance policy tab bhi lagu hoti hai agar aap galati pakar jate hain, Jabki yeh collision coverage ki tafseelat seder lag sakti hai.
lekin collision insurance kai tarah ke hadsaton ke liye lagu ho sakti hai. Aam taur par, collision coverage nichlay maamlat mein lagu ho sakti hai:
- Aapki gari ke sirf maamlaat mein, jaise ki palat jaana.
- Aapki gari ka kisi aur cheez se takrao, jaise ki ek telephone pole ya footpath se.
- Aapki gari ka kisi aur gari se takrao, jaise ki traffic hadsa ya koi aapki parked gari par takra jaye.
Yad rahe ke collision insurance sirf aapki gari ke nuksaan ke liye aapko muaawiza karti hai – dusre gari ya cheezon ke nuksaan ya hadsat mein hui jismani chot ke liye nahi.
Collision insurance kya cover karti hai?
Aap jante hain ke collision coverage gari ke takrao se hui nuksaan ke liye lagu hoti hai, lekin har hadsat mukhtalif hoti hai – to phir collision kya cover karti hai?
Comprehensive aur collision insurance mein kya farq hai?
Collision insurance ke saath, aap takrao se hui nuksaan ke liye muaawiza hote hain, lekin dusre tarah ke nuksaan ke liye kya? Agar kisi toofan ne aapki windscreen mein ek ped ke tukde ko daala ho, ya aap raat mein gari chala rahe hain aur aapne ek hiran se takra diya ho, to is tarah ke mamlay mein aapko comprehensive insurance ki zarurat hoti hai. Aap comprehensive insurance aur collision insurance ko ek hi sikka ke do paise samajh sakte hain. Collision incidents mein aapki madad karegi jo ki kisi aur gari ya cheez se takrao mein shamil hai, aur comprehensive har almost har tarah ke nuksaan ko cover karegi, jaise chori, janwar se takrao, qudrati aapda, aur civil disturbances.
Kya mujhe collision insurance ki zarurat hai?
Aap khud ko keh sakte hain, “Main ek zimmedar driver hoon. Kya mujhe sach mein collision insurance ki zarurat hai?” Haan, collision insurance ko kanoon se darkhwast to nahi hai, lekin yeh hamesha ek chust raasta hai – raaste par aise bahut kuch hota hai jo aap control nahi kar sakte, to kya aap sach mein chahte hain ke aap hadsat ke baad apni gari ke nuksaan ke liye hazaron rupaye apne jeb se bharen? Collision coverage aapki investement ko bachane mein aapki madad karta hai, khaas kar jab ise liability aur comprehensive coverages ke saath joda jata hai. Agar aap apni gari ko lease kar rahe hain ya kisike saath kisto par kar rahe hain (bilkul apni gari ko poora nahi kar chuke hain), to aapke finance company aapse ye pooch sakti hai ke kya aapko collision coverage aur comprehensive coverages kharidne ki zarurat hai. Apne auto lender se collision coverage ki darkhwast ke baare mein malumat len. Collision coverage naye drivers ke liye, jaise ke teens, ke liye khaas kar zaroori hai jo sadak par kam anubhav rakhte hain.
Aksar pooche jaane wale sawaal
Kya collision insurance kanoonan lazmi hai?
Collision insurance ahem hai, lekin iski zindagi mein aapko iski zarurat nahi hoti. Lekin agar aapki gari puri tarah se ada nahi hui hai, to aapki lending company ya least company aapse isko lagwane ki talab kar sakti hai. Chaahe kuch bhi ho, apni gari ko takrao se hui nuksaan se asurance karna hamesha acha idea hai, khaas kar agar aap tez raftar ya zyada traffic wale ilaakon mein chal rahe hain.
Kya collision insurance chori ko cover karti hai?
Nahi. Chori aapki comprehensive insurance coverage dwara cover ho sakti hai.
Kya collision insurance rental car ke hadsat ko cover karti hai?
Agar aapke paas collision coverage hai, to yeh aapko cover kar sakti hai agar aapki rental car mein kisi nuksaan ki ghatna hoti hai. Lekin rental car insurance coverages rajyon ke hisab se alag ho sakti hain. Yeh malumat ke liye apne rental provider se confirm karein.
Kya collision insurance vandalism ko cover karti hai?
Nahi, collision coverage vandalism ko cover nahi karegi, lekin aapki comprehensive coverage ise cover kar sakti hai.
Kya collision insurance ek purani gari ke liye zaroori hai?
Aapki car ki umar ise lazmi nahi karti ke aap ise asurance karwaein. 15 saal ki car ko bhi kanoonan asurance ki zarurat nahi hai jaise ki ek bilkul nayi car ki hoti hai. Lekin agar aapki car puri tarah se adi nahi hai aur lender ya least company isko zaroori samajhti hai, to aapko collision insurance kharidne ki zarurat ho sakti hai. Agar aapki car puri tarah se adi hai, toh aapko iske value ka bhi khayal karna chahiye. Collision coverage aapki car ki haqiqi nakdi qeemat tak ke nuksaan ko cover karta hai, isliye yeh value is policy se kitna faida uthane mein madadgar hoti hai. Zyadatar cars apni umer aur chalne ke saal ke sath qeemat kho deti hain, lekin agar aapki car saalon tak tikti hai, to ise asurance karwana aapke li