Tumhari car insurance kya cover karti hai?
4 aise auto coverages jo shayad tumhein pata nahi hongi
Ziada tar policyholders basic chezein jante hain. Haan, car insurance at-fault auto accident se hui nuqsaan ko cover karta hai. Magar auto insurance ek mushkil hawala hai jiska bohot se coverages aur situations hote hain, jo aksar ye depend karta hai ke policyholder ne kon kon si specific coverages choose ki hain.
Insurance companies ko aksar aise sawalat milte hain:
Kya insurance hail damage ko cover karta hai?
Kya insurance hit-and-run ko cover karta hai?
Kya car rent karne ke liye insurance chahiye hoti hai?
Kya car insurance doosre drivers ko cover karta hai?
In chand scenarios ke jawab dene ke liye, yahan ye char situations hain.
Kya car insurance hail damage ko cover karta hai?
Kuch car insurance policies hail damage ko cover karti hain. Jo log comprehensive auto policies rakhte hain, unke liye yeh bari baat hai. Comprehensive policies aise auto damage ko cover karte hain jo collision ya accident se nahi hota. Comprehensive insurance events jaise ke hail, floods, theft aur vandalism se hui damage ko cover karti hai.
Hail damage se darne ki zarurat hai. 2015 mein, U.S. mein 5,412 major hailstorms hui thi, Rocky Mountain Insurance Information Association (RMIIA) ke mutabiq (PDF), jo ek nonprofit insurance communications organization hai jo ke western states mein insurers ko represent karti hai. 2013-2015 mein U.S. mein sabhi carriers se 723,743 hail insurance claims mein se, personal automobile hail claims dusre number par the, jinmein sabse zyada claims personal property homeowners ke thay.
Cars ko kai tarah ki hail damage ho sakti hai. Severity hailstone size aur car ke location par depend karta hai ke hailstorm ke doraan car kitni exposed thi. Kya car khula hua tha? Kya partly covered tha carport mein? Hail car ke side panels, roof, trunk aur hood ko ding ya dent kar sakta hai. Windows aur windshield ko bhi tod sakta hai ya phir glass ko scratch kar sakta hai.
Hailstorm mein ghaflat se driving kar rahe log asani se bina protection ke caught ho sakte hain. Jaise ke hailstorms aam taur par sirf paanch ya cheh minute tak chalte hain, jo log driving kar rahe hain unhein jald se jald cover dhundna chahiye, agar yeh mumkin hai aur safe hai. Cover ho sakta hai kisi overpass ke neeche, garage roof ke neeche ya parking structure ke andar. Agar yeh mumkin nahi hai, to car ke driver aur passengers ko churidar ya koi kapda sir aur chehre par rakhna chahiye, case mein glass tutne ki surat mein.
Jo log comprehensive insurance coverage rakhte hain aur hail damage hoti hai, unhein jald se apne insurance provider se claim karna chahiye taake process shuru ho sake. Damage ki tasweerain leni chahiye aur kisi bhi tootay hue windows ko andar ki damage se bachane ke liye cover karna chahiye. Insurance carrier driver ko ek claims center bhejta hai jahan se damage assessment hoti hai. Agar ek area mein kai cars par hailstorm ka asar hota hai, to insurance carrier ek mobile claims team ko bhej sakta hai.
Hail damage car ki resale value ko affect kar sakta hai. Aam taur par panel damage ek functional problem nahi balki aesthetic problem hoti hai. Chhote dents aur dings ke liye, ek body shop kabhi-kabhi dents ko paint ko affect kiye bina bahar nikal sakti hai. Zayada ya extensive damage ke liye, unhein car panels replace karne ki salahiyat ho sakti hai. Insurance company aur repair shop case-by-case basis par kya zaroorat hai, yeh advise kar sakte hain.
Khushi ki baat hai ke jo log comprehensive insurance rakhte hain, woh hailstorm mein asani se sans le sakte hain. Magar yaad rakhein ke deductibles insurance company payouts par apply hote hain. Policyholders ko khushi hogi ke unke rates claim ke asarat se nahi badlenge, kyun ke yeh ek natural event hai, jo driver ki wajah se nahi hota. Yeh kehne par bhi, agar hailstorms aam hote hain, to customers ko protection ke liye cars ko garage ya covered carport mein rakhne ka tajaweez diya jaa sakta hai.
Kya insurance hit-and-run ko cover karta hai?
Hit-and-run accident woh hota hai jahan driver bina contact information diye scene se chala jata hai. Yeh highway par driving accident ho sakta hai ya phir parked car ko hit karne ka waqia ho sakta hai.
Hit-and-run accident par kuch tarah ke insurance apply ho sakte hain, jaise ke collision insurance, uninsured aur underinsured motorist coverage, aur liability insurance. Alag-alag states mein alag rules hote hain. Collision insurance woh parked car ko cover kar sakta hai jo kisi aur ne damage kiya ho, agar kisi ne for example insured car ko side-swipe kiya ho aur mirror ko todiya ya door ko damage kiya ho.
Jabke sabhi states drivers se car liability insurance ya financial responsibility ka saboot dene ko keh rahe hain (requirements state ke mutabiq alag hote hain), yeh nahi matlab hai ke sabhi drivers actually isey rakhte hain ya jab unka damage hota hai to wo responsibility lete hain. Kuch states mein uninsured motorist coverage mandatory hai, jabke kuch mein insurers ko coverage offer karna compulsory hai, lekin driver ko ise purchase nahi karna padta. Sirf kuch states mein drivers ko underinsured motorist coverage purchase karna padta hai.
Yeh ideal nahi hai ke policyholders ko kisi aur ke dwara kiye gaye damage ke liye premium pay karna padta hai, lekin yeh out-of-pocket pay karne se behtar hai. Yeh policies driver aur passengers ke bodily injury ko cover karte hain sath hi car repair ko bhi. Agar kisi ne in policies ko nahi rakha, to unhein khud se damage pay karna padta hai.
Insurance company police report ki demand kar sakti hai, isliye faydemand hai ke turant police ko bulaya jaye. Witnesses ki contact information aur tasweerain collect k