rkd1jat@gmail.comMotor Insurance1 week ago51K ViewsShort URL
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ToggleAapke paas car ho ya bike, road par chalana ek zimmedari ka kaam hai. Kisi bhi unexpected situation jaise accident, damage, ya theft ke case mein aapko financial protection mil sake, isiliye motor insurance ka hona zaruri hai.
Motor Insurance ek aisi policy hoti hai jo aapke vehicle ko aur aapko third-party legal aur financial risk se protect karti hai. Ye policy vehicle owner aur doosron dono ke liye suraksha ki tarah kaam karti hai.
Ye policy sirf doosri party ko hone wale damage ya injury cover karti hai. Agar aapka vehicle kisi ko hurt kare ya kisi ki property damage ho, toh insurance company unka loss cover karegi.
Example: Aapki bike se kisi ki car dent ho gayi – third-party insurance isse cover karega.
Isme aapke vehicle ka bhi cover hota hai aur third-party ka bhi. Ye accident, fire, theft, natural disasters, etc. sab include karta hai.
Example: Aapki car flood mein damage ho gayi ya chori ho gayi – isme claim milta hai.
Agar aapke paas already third-party insurance hai, toh aap only apne vehicle ka cover lena chahte ho toh ye plan useful hota hai.
🚨 Legal Rule:
According to Motor Vehicles Act, 1988, har vehicle owner ke paas kam se kam third-party insurance hona mandatory hai.
Agar aapke paas valid insurance nahi hai:
Myth | Truth |
---|---|
Sirf naye vehicles ke liye insurance chahiye | Purane vehicles ke liye bhi mandatory hai |
Third-party policy mein sab kuch cover hota hai | Sirf doosre ka loss cover hota hai, aapka nahi |
Claim file karne mein bahut jhanjhat hoti hai | Online process simple aur fast ho gaya hai |
Ek baar liya toh renew nahi karna padta | Har saal renewal zaruri hai |
🚗 Ravi ne apni bike ke liye sirf third-party policy li thi. Ek din accident mein uski bike ka pura front damage ho gaya. Company ne third-party ka toh claim diya, par uske khud ke damage ka ₹20,000 ka kharcha usne apne pocket se diya.
👉 Lesson: Comprehensive policy lene se Ravi ka paisa bach sakta tha.
❌ Nahi. Expired policy ke baad koi bhi claim valid nahi hoga. Renew karna zaruri hai.
✅ Haan, reputed sites ya agents se lena bilkul safe hai. Instant policy milti hai.
🚨 Major accident ya theft mein FIR zaruri hoti hai.
💡 Haan, agar aap flood-prone area mein rehte ho toh ye add-on important hai.
🧠 Higher voluntary deductible choose karne se premium kam hota hai.
Agar aap vehicle chalate hain, toh motor insurance lena sirf ek legal requirement nahi, aapki financial safety ka ek smart decision hai. Accidents kisi ko bata kar nahi hote, isiliye tayyari hamesha honi chahiye.
👉 Aap bhi apne vehicle ke liye motor insurance lena chahte hain ya renew karna chahte hain toh contact karein:
🔗 RJ Smart Finance – Turtlemint Pro Profile
📲 WhatsApp karein – Click to Chat
🔐 Verified POSP Advisor – RJ Smart Finance (Rakesh Kumar)