Does car insurance cover windshield damage?
The windshield of any car is made of very strong material that can bear high pressure and temperature. This strength is necessary to offer safety to passengers and drivers from various unpredictable mishaps that might happen on the road.
However, any minor or major accidents can also lead to damage to the windshield. Repairing a windshield can be costly. Many vehicle owners already have a car insurance plan, but they are not sure if damage or cracks in windshields are covered by insurance. Therefore, in this guide, we will explore an answer for Is a crack in windshield covered by insurance or not.
Third Party Insurance
As per the Motor Vehicles Act of 1988, having third-party car insurance is mandatory in India. This type of insurance covers damage or injury caused to a third party or their property by the insured vehicle.
Own Damage Insurance
Another type of car insurance plan is own-damage coverage, which covers the damage or losses endured by the policyholder’s vehicle. This insurance plan typically offers coverage against windshield damage caused by human-made incidents or natural calamities.
Comprehensive Car Insurance
If you have a comprehensive car insurance policy, then any damage caused to the windshield, such as a crack or any other damages, are covered under the plan. A comprehensive car insurance policy offers protection to cars against various types of damages.
Tips on How to Choose Car Insurance For Your 4 Wheeler
It is important that you #ThinkAhead and put more effort into picking your car insurance, just like you did for your car.
Tips to choose right car insurance for your 4 wheeler
You are a pro at selecting the right car, now be a pro at selecting the right insurance
Remember how excited you were when you were looking for a new car? Talking to friends, checking out reviews on the internet, test driving your top selections – you put so much effort into it. But do you remember which car insurance you got along with it? Most likely not.
How to pick car insurance like a pro
- Know your options before you make the choice
There are two broad categories of car insurance in India – Third-party car insurance coverage and comprehensive coverage. While third-party liability coverage is mandatory for all vehicles by law, it only covers damage to any property and third-party injury.
- Your car is so precious, but does your insurer know that?
IDV or Insured Declared Value is the value of your car according to your insurance provider. This is the maximum reimbursement you can get, and all other claims are calculated basis this amount. Your dealer might suggest a lower IDV to reduce the premium but that just means your claim settlement amount will be very less in the case of an accident.
8 Car Modifications You Should Inform Your Insurer
Check out car modifications or alteration that are allowed and not allowed in the car insurance and how it impact car insurance premium.
8 Car Modifications or Alteration You Should Inform Your Insurer About
India’s supreme court, in its January 2019 judgment, reversed a Kerala high court judgment that allowed car and bike owners to make vehicle modifications in agreement with the Kerala Motor Vehicle Rules, 1989.
What the supreme court judgment says
This judgment, which modified section 52 of the Motor Vehicles Act, 1988, orders that no motor vehicle can be allowed to alter its original specifications.
Alterations that are allowed
The supreme court judgment is not a blanket ban on vehicle modifications. There are exemptions to sections 52 which allow certain modifications that don’t affect the specifications mentioned in the vehicle’s registration papers.
Change of vehicle colour
Added accessories like door protectors, markers, stickers or labels, rain guards, music system, etc.
Type or category of tyres?
Vehicle engine, with prior information and permission from the local RTO. This is allowed keeping in mind fuel conversion facility and resultant fuel efficiency and pollution control.
Fuel conversion kits that enhance performance or reduce pollution.
Leave a Reply