The insurance certificate is accepted by the police authorities, R.T.O and other public authorities as valid only if issued by the insurance company, and must be provided as proof of insurance, if necessary. A good car insurance policy covers your vehicle against damages caused by natural disasters such as earthquakes, floods, storms, etc. and disasters caused by man, such as accidents, robberies, fires, disturbances, malicious acts, etc.
Motor insurance is an insurance policy that is purchased for private or commercial vehicles to provide financial protection against any loss or damage. Vehicles such as cars, trucks, motorcycles, scooters, tractors and other road vehicles may be covered by the auto insurance policy. Financial assistance to the owner of the vehicle in case of unfortunate events. Basically, it provides financial protection against any damage incurred to the insured vehicle due to natural or man-made hazards.
Review your coverage. Check to make sure you have enough liability coverage for bodily injury and property damage. Over time, costs and risk increase, and so should your coverage.
Watch crash repairs. Check to see where your insurer sends you for repairs, as the repair shop may push you to use cheaper replacement parts, rather than original equipment from the manufacturer (OEM parts).
Take advantage of the discounts. Discounts are available for drivers considered to be a lower risk (older, married, and/or long safe driving record) or those who take a driver-training course.