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Does a third party Car Insurance plan have enough coverage

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If you own a car, it is mandatory in India to get car insurance. Among the things that a typical car insurance policy would cover is damage caused to a third party in case you cause them any injury through an accident. It is necessary here to understand that when you take out a car insurance policy, you are the first party, the insurance company is the second party, and the person whom you injure or cause damage to, and who makes legal claims against you, is the third party. So, third-party insurance would cover you against such claims made on you by others.

Injury claims

A third-party cover serves as a protection tool for the insured person because it helps them bear the cost of injuries to the third party. It covers small injuries to serious ones. In case of an accident, if the third party is seriously injured and has to be hospitalised, the treatment costs can be quite large, so it is wise to get a third-party car insurance policy as it will cover all such medical bills.

Limited disability

In case of injuries sustained in an accident in which the third party suffers a partial disability, this car insurance policy will cover all the medical expenses required to treat such disability. It is a very useful feature to have in your insurance policy as you may yourself not be in a condition, at that moment, to help out the third-party.

Permanent disability

In cases where the third-party suffers permanent disability, such as loss of a limb or paralysis, the insurance company will compensate you for the medical expenses incurred by you on this account. Though it is practically impossible to restore a permanent disability, at least the financial help that the third party gets will provide some consolation.

Death

In the unfortunate event of the death of the third party, the insurance company provides full compensation based on their latest recorded earning capacity. The impact that death causes the deceased person’s family is also taken into consideration while deciding the compensation.

Damage to property

Depending on the terms and conditions of the third-party car insurance policy, any damage caused to the property of the third-party will be compensated by the insurance company.

If you are looking to buy a third-party car insurance policy, check out the plans offered by Bharti AXA GI and get your quote.

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