Do Car Insurance Companies Pay Medical Bills Directly?

Car insurance companies in India are not required to pay medical bills of their customers. They often try to avoid paying for any injury that they cause and they may also try to avoid paying for treatment related costs such as an ambulance ride or a visit to the doctor's office. The answer to this question depends on the insurance company and state laws. The most important thing is that you have a valid insurance policy...Read More

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In India, it is not uncommon for car owners to get into accidents and sustain injuries. In such cases, the auto-insurance companies will pay out the medical bills as long as they are covered by their policy. However, it is not always easy to get a claim approved since it can be difficult to prove that you were injured in an accident.

Car insurance companies in India do not pay medical bills directly, but they do provide assistance for patients who have been injured in an accident.

What Does NCB in Auto Insurance stand for?

NCB in auto insurance stands for the no claim bonus which is offered to car insurance customers at the time of renewal if there is no claim during the previous policy period. The no-claim bonus is a form of discount offered to the customers for not making a claim in the previous policy period.

The no-claim bonus starts from 0% and reaches up to 50% for each claim-free year. It is valid for a period of 90 days from the expiry date of the policy after which the NCB would lapse. Higher NCB means a higher discount for the customer. If there is a claim this would be reduced to 0% and then increases for each claim-free year.

What Does Comprehensive Insurance Cover?

Comprehensive car insurance covers the loss or damage to the car due to any of the insured peril acting at the time of the accident. Third party insurance covers only the legal liability arising out of bodily injury or death of third parties due to an accident involving the insured car. Third party section also covers the property damage of third parties involved in the accident.

Does Car Insurance Cover Animal Damage?

The comprehensive car insurance policy covers your car from animal damage. It covers your car in every possible way to man-made, natural elements.

Does Car Insurance Cover Rat Damage?

Rat-bite damage coverage in motor insurance is covered under the own damage section of the comprehensive car insurance. Rat damage insurance claim is admissible under the Own damage section of the Car insurance as the damage is caused by Accidental and visible external means.

Does Comprehensive Car Insurance Cover Rodent Damage?

Yes, comprehensive car insurance covers rodent damage under the own damage section of the comprehensive car insurance. Rat damage insurance claim is admissible under the Own damage section of the Car insurance as the damage is caused by Accidental and visible external means.

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