Apne car ke liye ek bima package chunna ek mahatvapurna kadam hai kyonki yah aapki car ya vaahan ki suraksha ke liye avashyak hai. Kai prakar ke bima upalabdh hote hain, isliye yah labhdayak hota hai ki aap har bima ki nitiyon aur prastavon ko jaanen aur jaanen ki kis prakar ke bima aapke liye aur aapke vaahan ke liye upayukt honge.
Yahan par, ham vikalpon ki vima policy ke baare mein baat karenge aur kuch mahatvapurna tathyaon ka samikshan karenge jo aapko janana chahiye.
Modified Autos Insurance Types:
Sabse pehle, ham aapke vaahan ke liye upalabdh bima prakaron par baat karenge. Sabse aam bima prakar mein jimmewari coverage, takkar suraksha, vyaktigat chot coverage insurance, aur apramāna dene ya asamarth motorist coverage shamil hain.
1. Jimmewari Suraksha
2. Takkar Suraksha
3. Poorna Suraksha
4. Vyaktigat Chot Suraksha
5. Asamarth Motorist Bima
Liability Protection:
Jimmewari suraksha ka lakshya hai ki yadi aap jimmedar hain to aapko suraksha pradan ki jaye. Jimmewari Suraksha mein dusre vyakti ke car ko nuksan pahunchane par vyay aur jurmane ki rakam chukai jati hai aur unhe unki chikitsa ki vyay bhi pradan ki jati hai.
Collision Insurance:
Takkar suraksha aapko takkar se prabhavit hone par surakshit rakhti hai.
Complete Protection
Poorna suraksha ek prakar ki bima hai jo assemble vaahan ke liye shamil hai aur isme jimmewari bima shamil hai. Is bima se car chori hone par hone wale bade nuksan ke khilaf suraksha prapt hoti hai.
Personal Injury Insurance:
Vyaktigat chot suraksha aapke vyaktigat chot ke liye suraksha pradan karti hai. Is bima se car durghatna se prabhavit hone par vyaktigat chot ki vyay milta hai.
Incompetent Motorist Insurance:
Asamarth/Asamarth motorist bima upayogi hai yadi aapka vaahan kanoon ke antargat asamarth hai, aapke paas driving license ya car documentation nahin hai, ya aapka vaahan acchi sthiti mein nahin hai to aapko is prakar ki bima ki aavashyakata hai.
Reviewing Insuring Policies:
Apne modify vaahan ke liye bima lena tay karne ke baad, aapko sabhi bima prakaron ko samajhna hoga aur unhe apni avashyaktaon ke anusaar chunna hoga. Aapko kisi bhi sujhav par kadam uthane se pehle vaahan ke sabhi sahyogiyon ka progress dekhna chahiye.
Insuring Assembled Vehicle:
Kai log apne assemble vaahanon ke bima karne mein alag-alag kathinaiyon ka samna karte hain. In kathinaiyon ko dur karne ke liye kuch bima sangathan sanyukt vaahanon ke liye vishesh bima nitiyan pradan karte hain. Ye bima nitiyan sanyukt vaahanon ke needs ko poora karne ke liye banayi gayi hoti hain.
Apne car ke liye bima chunne se pehle yah mahatvapurna hai ki aap uske motor prakar ko sahi tarike se jaan len. Apne bima dene wale se bata den ki aapke car mein koi parivartan kiya gaya hai, jaise ki motor ya carburetor badla gaya hai, adi. Agar aap aisa nahin karte hain, to aapke car ki modification ko ignore kar diya jayega. Is prakar, aapki bima suraksha vyavastha vyarth ho jayegi.
Apne bima niti ki vivaran ko padhein aur mahatvapurna baton ko yaad rakhein. Pehle car chalane se pehle dekhein ki aapki bima niti mein kya shamil hai aur kya nahin hai. Yaad rakhein ki kya aapki bima niti aapke vaahan ki avashyaktaon ko poora karti hai ya nahin. Sanyukt vaahanon ke liye suraksha prapt karne ke liye aapko motor bima niti ke alawa aur bhi bima nitiyon ko uparokt durghatna, chori, ya anya nuksan ki sthitiyon mein shamil karne ke liye chunna hoga.
Aapke car ko bima karne ka sabse mahatvapurna kadam ek pramukh, prasiddh, aur panjikrit bima sangathan chunna hai. Bima company chunne par aapko unki pratishtha, itihas, vishwasniyata, aur unki bima niti ki vivaran ko samikshan kar lena chahiye. Agar aap ek company chunenge jo adhik samanya coverage pradan karti hai, to aapka sum insured badh sakta hai. Isliye hamesha ek bima company ki urja utkarshta ko dekhein aur prasiddh companyon ko chunen.
Conclusion
Ant mein, dhyan rakhein ki aap apni bima niti ko kam sum insured karne ke liye vyaktigat sudhar nahin kar sakte hain. Isse aapki bima ki daava ko avyavasthit kar diya ja sakta hai. Iske bajay, aapko keval un sujhavon ke liye bhugatna chahiye jo aapko avashyak hain.
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