Car Insurance covers for losses that you might incur if your car gets damaged or stolen. Car insurance (also known as auto or motor insurance) is done to protect your vehicle from unforeseen risks. It basically provides protection against the losses incurred as a result of unavoidable instances. The Best Car Accident Attorney in the town asserts that it helps cover against theft, financial loss caused by accidents and any subsequent liabilities. It is very important for a policyholder to compare various auto insurance options before the renewal of a policy or buying a new policy. Key benefits of Car Insurance:-

• Coverage against loss or damage to the insured vehicle
• It mainly covers loss due to accident, theft, fire, explosion, natural calamities, terror attack etc.
• Coverage against financial liability due to injury/death of a third party or damage to a property
• Personal accident cover

Car Insurance Coverage:- Car insurance or Motor Insurance is mandatory by law. It is a legal requirement to have a minimal level of insurance before driving a car in India. Car insurance coverage is divided broadly into the following two categories: Comprehensive car insurance policy: This policy protects against any loss or damage caused to the vehicle and its insured accessories as a result of natural and man-made calamities. Some of them also provide the tips for traffic accidents and the necessary steps that ought to be taken after an accident. These calamities can be broadly classified as ‘Natural Calamities’ and ‘Man Made Calamities’. Natural calamities include fire, explosion, lightning, flood, typhoon, hurricane, storm, cyclone, hailstorm, frost, landslide, rockslide, fire and shock damage due to an earthquake. If you’ve suffered from fire devastation, you are eligible for insurance coverage. Man-made calamities include burglary, housebreaking, theft, riot or strike, accident by external means, malicious act, terrorist activity and damage during travel by road, rail, inland waterway or air. This policy also includes personal accident cover, which provides accident cover for the driver of the vehicle while driving. According to a knowledgeable auto accident attorney, the owner can avail personal accident cover for passengers in the vehicle. Another mandatory feature is the third party legal liability cover. It protects the owner against legal liability arising from an accident causing any permanent injury or death as well as any damage to the property. The Comprehensive Insurance coverage excludes the loss or damage caused due to:

• A driver under the influence of alcohol at the time of impact.
• A vehicle being driven by a person not holding a valid driving license.
• Damage to the tires unless the vehicle is also damaged.
• Wear and tear or mechanical breakdown.

Third party car insurance policy: Insurance is a contract between the insurer and the insured. Therefore, the third party is any person other than the insurer and the insured. Third parties are mainly pedestrians, people in other vehicles like-drivers, owners, passengers etc. The Third Party car insurance policy covers your legal liability for any compensation to be paid arising from an accident caused by your vehicle. It includes liability for death or injury to the third parties.