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Car insurance in India or in any nation is quite necessary as a total of 4,37,396 cases of road accidents were recorded in 2019 across India & 1,54,732 people died in those accidents according to NCRB(National Crime Records Bureau). We purposely not adding data from 2020 as it might be reduced due to lockdown caused by the COVID-19 pandemic. Thus we need to take car insurance even though the car is a comfortable & secure vehicle for family and friends to travel or take on all the memorable trips. We must not ignore or avoid taking car insurance.

4 wheeler insurance is a must in India if you are willing to drive your car on the Indian roads then you are supposed to have a car insurance policy.

 You must indicate and check to wire the supposed car insurance policy if it is fulfilling the need according to you.

 Car insurance in India are of two types which are-

• Comprehensive insurance
• Third-party insurance

Comprehensive insurance covers the damages of both sides that existed due to own or third-party disservices.

Third-party insurance covers the losses that may Third-party insurance third party. In India, third third-party is a must and is computed by the Motor Vehicles Act 1998, the Insurance Regulatory and Development Authority (IRDA). You can pick the best car insurance company for your car by selecting things and knowing what type of coverage it is rendering. Motor insurance companies have plans and offer various providers and which you can check on their website. To know the performance of insurance companies and their services to the customer before engaging with them you must check the reviews on their official website to determine the quality and reliability of the car insurance company in India, you can check the following:

• Customer reviews
• Do not share any wrong data
• Claim settlement record
• Cashless network
• Aware of terms and conditions
• Compare the insurance plans
• Customer support

CUSTOMER REVIEWS: The several car insurance companies in India are available for which you can ask your friend and can look on different online websites to check the genuine and real reviews of the people of a different company.

DO NOT SHARE ANY WRONG DATA:  Providing any wrong information about the age, driving history can cost you trouble, and the process of insurance may get canceled. So, cooperate your honesty with the application form.

CLAIM SETTLEMENT RECORD: If the claim does not get approved the sense of getting a car insurance policy will be wasted. You must ensure your priority to a motor insurance company that gives out the best claim settlement record in India because this will lend you the highest chances of approval for the claim.

CASHLESS NETWORK: The motor insurance policies in India are mandatory so, when it comes to repairing and replacing the damaged car parts many insurance companies take customers with the cashless garage service because this helps the customer to not worry about the expenses and they will take care of the damages.

AWARE OF TERMS AND CONDITIONS: Before signing the policy documents you must take care of the condition and term policies for this you must take your time to read, check carefully and be aware of the needs to meet, therefore to avoid any legal hassle you have to take time and then only claim the process.

COMPARE THE INSURANCE PLANS: Once you are ensured about the type of car insurance policy, you need to compare insurance companies services and terms before making the engagement, go for the comparison which could be in your support and exclusions of the policy and the types of add-ons which they give out and the claim process, deductibles, etc. this will help you to choose your plan wisely and the effective support premium money pay.

CUSTOMER SUPPORT: Current insurance companies have considered the online support engaged with their customer 24*7 support to who take the insurance policy, so you must look at what unique services they are offering to their customers.