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Car Insurance

 For purpose of insurance, motor vehicles are classified into three broad categories.


1. Private cars

2. Motor cycles and motor scooters

3. commercial vehicles,further classified into  types

   a. Goods carrying vehicles.

   b. Passenger carrying vehicles

       - Motorised rickshaws
       - Taxis
       - Buses.

  c. Miscellaneous Vehicles,

      - Ambulances 
      - Cinema film Recording and Publicity vans
      - Mobile dispensaries etc

Act of : Motor Vehicles ACT,1988

 The motor  Vehicles Act passed in 1939 and amended in 1988 and 1994.
 Insurance of motor vehicles against damage is not made compulsory,but the insurance of third party liability arsing out of the use of motor vehicles in public places is made compulsory. No motor car vehicle can ply in a public place without such insurance.

The Liabilities which require compulsory insurance are as follows

a. death or bodily injury of any person including owner of the goods or his authoriesed representative carried in the carriage
b. damage to any property of a third party
c. death of bodily injury of any passenger of a public services vehicle
d. liability arising under Workmens compensation Act,1923 in respect of death or bodily injury of

     1.paid driver of the vehicle

    2.conductor, or ticket examiner

    3. workers, carried in a goods vehicle

The policy of insurance should cover the liability incurred in respect of any one accident as follows :

   In respect of death of or bodily injury of third party or passenger of a public service vehicle the amount of liability incurred (if without limit).