How Car Insurance Can Help You | 5 Benefits from Car Insurance 

Car Insurance | Insurance

The rising number of car accidents is a matter of concern for drivers. The news of road accidents or a car turning turtle has become very common nowadays. You are lucky if you have never been faced with a car accident before. However, you should be prepared for such unforeseen situations. Taking up car insurance is the number one formula to protect your prized possession. We have curated the top five benefits of car insurance for you. Read this blog, to know how car insurance can help you in case of unpredicted car accidents.

24/7 Assistance 

Number one on the list is assistance from your insurer. Car insurance will come with 24/7 assistance from the insurance company. So, first, make sure you chose an insurance plan that provides you this facility. When you are faced with an accident, you will be shocked and panic-stricken, so it will be unmanageable for you to do the right things in that situation. In such situations, car insurance can help you. A 24/7 hotline assistance can be a life saviour!

You can immediately call the insurance company and ask for help. Always remember, your insurance company will be the best guide for you in such a situation. They can guide you through the entire process, calm you down, provide support and information on what you need to note down, collect, and document for a successful claim. Of course, all of these steps comes secondary to your physical well-being. Check for injuries first, & call medical help if required.

Emergency Sensor System 

Many insurance companies provide sensors that can detect car accidents and send emergency alerts/ notifications to the insurer. When you are faced with a distressing situation, you may not be in a position to ask for help. Reporting an accident is not always easy and if you are physically injured it may get increasingly difficult. So, opt for an insurance policy that comes along with an emergency notification facility. This is an important factor in how car insurance can help you.

This can automatically alert the insurer company and you could easily get help within minutes. These operate with the help of GPS and crash detection devices. But worry not, if your car does not come with such devices your insurance company can provide you a smart sensor that can automatically send notifications.

NCD or No-Claim Discount 

No-Claim Discount can be used as an advantage if you choose the right car insurance policy. A lot of you fear claiming the NCD after car accidents owing to high penalty charges. But this in a way cancels the whole purpose of having car insurance. The key is to choose a car insurance policy that has low NCD fines. In this manner, it is not mandatory to make claims yet, you can still go ahead and report the accident. So, just make a call to your insurance company with 24hours and claim your benefit. Now you know all ways how car insurance can help you!

Bonus Benefits

A car accident is never a pleasant situation to be in. However, the phase post your car accident can be even more daunting sometimes. As your car may need a lot of repair work you have to drop your vehicle at the workshop for a few days or weeks. So, look for an insurance policy that offers you benefits like access to a workshop. Some insurers also are generous to provide car workshops of your choice.

Read the terms & conditions and every other detail carefully so, you exactly know what you are eligible for. Also, keep in mind if your insurer provides you a brand new car replacement in case of theft or extreme damage. Transport claims are one more feature some insurance policies have. This is where you can have your insurer provide you with a vehicle or allow you to make expense claims for the number of days you commute without your car.

Car Insurance Excess

This is what every driver goes through at least once. The car insurance excess is the amount you pay out of pocket before you can claim your insurance. Some insurance companies may levy extra charges on damage repairs depending on your experience and age. So, make sure you buy a car insurance policy that includes excess charges. Car insurance that does not cover excess charges can be harmful to your pockets, especially when you have young members behind the steering wheel. Also, if you are a new driver then you must choose a car insurance policy that covers excess repairs/damages. These are the ways how car insurance can help you. So, dig deep, compare policies, and choose the best that suits you!


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