Third Party Car Insurance
Third Party only car insurance policy is an insurance cover which insures you against all the third party legal liabilities which may arise due to any mishap such as a road accident involving your car. It provides coverage for bodily injury/death of a third party (as decided by a court of law) as well as third party property damage up to Rs. 7.5 lakh.
Third Party Car Insurance Is A Legal Requirement In India
As per the Motors Tariff Act 2002, it is mandatory for every vehicle owner in India to have at least a third party only car insurance policy. A third party car insurance policy provides the most basic coverage and is more affordable as compared to a comprehensive plan. Thus, besides being a mandatory requirement it is also essential to have your vehicle insured by at least a third party only cover so that you have a minimum of basic insurance coverage for your car.
What All Is Covered Under A Third-Party Cover?
- Third Party Property Damage: All third party property damage are covered under the third party only cover up to Rs.7.5 lakh.
- Third Party Death/Bodily Injury: Under a third-party plan, the insurer provides 100% compensation in case of death of a third party and 50% indemnification in case of partial blindness or loss of a limb. The compensation amount for third party liabilities is decided by a court of law.
What Is Not Covered Under A Third Party Car Insurance?
A third party car insurance policy does not provide coverage for own-damage sustained by a vehicle or its driver/owner. To get an insurance for own-damage of your car, you can purchase a comprehensive car insurance policy or standalone own-damage car insurance policy. Also, to insure yourself or the driver of your car you need to opt for a personal accident cover or paid driver cover, as the case may be.
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