4 reasons why you need car insurance on Indian roads

We list the four major reasons why taking a car insurance plan must be the first thing you do today.
Driving in India is certainly a lot of fun, what with several kilometres of new roads being laid every year. But an undeniable fact of driving on Indian roads is that it is also a risky activity – it pays to get a good car insurance policy in India because –

1 The roads are in a bad condition.

While the country’s road infrastructure is in a much better shape than in previous years, there is no disputing the fact that many smaller roads across India are in a very poor condition. On the one hand, there are major highways and overarching bridges in the cities, while on the other hand, there are potholed and rutted roads even in the metros and towns. Many roads are not suitable for driving, since they may damage the car chassis and puncture the tyre tubes. If you have car insurance, you need not pay for these repairs yourself.

2 Many drivers drive rashly.

Repairs and restoration are required when your car meets with an accident. Many car drivers in India are not careful about following road rules and they drive rashly, endangering their own lives and those of others. If such a driver cuts across you or tries to overtake you or rams into your car, you will have to get yourself checked for injuries and turn your car over for major repairs. The good news is, car insurance pays for both!

3 You might be held responsible for an accident.

On the subject of rash driving, it is also important to note that while most accidents will not be your fault per se, you might still be held responsible for them. It might also happen that a miscalculation on your part might result in a car accident. In such cases, your car insurance with third party liability can help you. It covers the legal expenses and other aspects of an accident in case the matter goes to court. Also, a comprehensive car insurance plan covers not just third party liability but also accidental damages, so this is an added benefit.

4 Your loved ones are waiting for you at home.

The most compelling reason to take car insurance is that your safety is paramount, and your loved ones depend on you for everything. This is a sobering thought, and it should keep you away from the temptation to speed or indulge in any wrong behaviour on the roads. You can also rest assured that your insurance policy will pay for your hospitalisation and treatment in case you meet with an accident, and that your loved ones will be taken care of in case of your unfortunate demise.