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Opt for Comprehensive Car Insurance to Insure Against Irreparable Damage

Sometimes the situation arises where, in an accident or collision, some damages occur that are beyond repair. In this case, you have third-party car insurance, which covers only the liabilities against the third-party life and the damages against the third-party properties.

But if the damages are beyond repair and will not be covered, it will prove your total loss. Here, the comprehensive four-wheeler insurance policy comes into play, which provides extensive coverage for damages to third parties and your car. In this article, we will discuss how opting for a comprehensive car insurance policy will be beneficial to ensure you are protected against irreparable damages.

What Is Comprehensive Car Insurance?

Comprehensive car insurance is an insurance policy that covers your own and third-party damages caused by your vehicle. Own damages include the damage to your car and your life. In contrast, third-party insurance covers the liability of a third party, such as third-party life and property, in the event of an accident. Thus, comprehensive car insurance in India combines a wide range of coverage alternatives, such as damage due to accidents, theft, fire, natural calamities, and man-made disasters. In addition, comprehensive automobile insurance also includes personal accident coverage for the owner or driver of the car.

What Are Irreparable Damages?

Irreparable damages, also known as damages, are beyond repair because they are either too severe or too expensive to fix. This kind of damage results in a total loss for the car owner. Following are some examples of irreparable damage:

  • Total loss from a major accident where the cost of repairing is more than the car’s value.
  • Damage occurs due to natural disasters, and the vehicle is beyond repair.
  • Damage from a fire or explosion
  • Theft of the vehicle or burglary of valuable parts renders the car worthless.

How Comprehensive Car Insurance Helps In Situations Of Irreparable Damage?

Comprehensive car insurance coverage can help in situations of irreparable damage in the following ways:

  1. By covering the costs of replacing the car, the insurance company pays the actual cash value (ACV) of the vehicle, which is required to replace the car or a similar part with a new one, minus any applicable deductible.
  1. Offers Rental Car: If you have comprehensive coverage, you can rent a car when your claim is processed.

However, you must remember that the amount of coverage provided by a comprehensive insurance policy will vary depending on the multiple coverages you purchase, terms and conditions, deductibles, etc. Therefore, you will read the policy carefully and ensure sufficient coverage for irreparable damage.

Why You Should Opt For Comprehensive Car Insurance?

There are several reasons and benefits to getting comprehensive insurance full coverage, such as:

  • Coverage For Accidents

Accidents can happen anywhere at any time, but if you have comprehensive car insurance, you can get coverage against damages ranging from minor scratches to major collisions. It also gives coverage for repairs or replacement.

  • Coverage for Natural Calamities

Natural calamities like earthquakes, floods, cyclones, and more can cause financial disruption to your assets. So at that time, having comprehensive coverage becomes essential to saving your pocket from the financial burden as you can get a claim for the damages to your car.

  • Coverage for Man-made Disasters

Along with natural disasters, man-made disasters such as riots, theft, and vandalism also cause damage to your assets. You can’t blame a single person for having to reimburse the amount of money if they do anything wrong with your assets or property. So planning your protection ahead of time will save you from being victimised by theft. But, again, comprehensive car insurance also provides coverage for such damages.

  • Coverage For Personal Accidents

Coverage for personal accidents includes coverage for loss of wages or disability if the owner or the car’s driver gets injured. In such a case, comprehensive car insurance coverage gives you or your family financial support.

  • Peace Of Mind

Comprehensive car insurance coverage gives you extensive coverage from any possible or unforeseen events. In such a case, if you have your car insured, you will have peace of mind knowing that any damages to your car will not be such a financial burden on you. In addition, you will be counted as a civilised person as it includes third-party liability insurance, which is legally required according to the Motor Vehicle Act of India.


Damages can occur anytime and anywhere, which can be irreparable and might cause a huge loss when you have valuable assets. Therefore, it is always better to prepare beforehand to protect your pocket from the financial burden. Thus, purchasing comprehensive car insurance from reliable companies like Tata AIG will benefit you and your car as you can easily take a Tata AIG car insurance claim if any adverse event happens. However, it is also advisable to compare the plans to select the best one and do ensure that you have adequate coverage and add on to save yourself from all possible unforeseen events.