United India Comprehensive Car Insurance Policy

Car insurance is mandatory for every car owner in the country. Though a third-party cover is all that is required to cover for the legal liabilities of a third-party in an event of an accident, a comprehensive insurance does a lot better than that by providing wider coverage. It covers for third party, the insured (driver/owner) and even the vehicle. This means the insured person is free from any liability that may arise post an accident and would also be able to recover a good sum for the repair of the automobile.

But due to vast cover for the liabilities, comprehensive insurance plans are a bit expensive to buy and the premium is higher than what is paid for a third-party insurance cover. However, buying a comprehensive policy is highly recommended for complete peace of mind.

Benefits of United India Comprehensive Insurance

• United India Insurance Company offers a hassle-free claim process in case of theft, though the applicant would need to take care of initial requirements.
• In case of an accident, the insured would get reimbursement for the damaged vehicle (subject to the insurance plan).
• Comprehensive car insurance is applicable outside regular national boundaries. Bangladesh, Nepal, Bhutan, Maldives, Sri Lanka and Pakistan are included.
• By paying an additional premium of Rs. 500, you can extend the comprehensive policy coverage to six other countries - Bangladesh, Bhutan, Nepal, Pakistan, Srilanka and Maldives.

• Intimate the insurer

The insured needs to get in touch with the nearest UIIC office or branch. Following this, the insurance company will make a survey of the vehicle in question. Hence, if any grave accident has taken place, like fire, etc., the vehicle is to be kept at the accident spot itself.

• Seek medical help and lodge an FIR
  The third- party needs to be rushed to the nearest hospital for medical attention. In the unfortunate case of victim’s death , contact the local police. An FIR of the accident is mandatory.

• Documentation and formalities

Submit the claim form and complete all formalities. A copy of FIR will be needed here.

• Surveying of the vehicle and accident spot

The insurance company will visit the spot and perform a final survey.

• Get a repair quote

The vehicle will then be taken to a garage for a repair quote and claim will be disbursed after completion of all formalities.