In this day and age most people have their own transport. While many prefer to travel around on 2-wheelers because of swifter movement and easier parking, a car remains the most popular mode of transport especially for business people and families. Since it is such a widely preferred option, when travelling by car all precautions should be taken to ensure that the trip or journey is made as safe as possible which is not possible without having a car insurance.
All general insurance companies sell auto insurance policies. The basic coverage is the same, but often other benefits are thrown in to lure more customers. The first thing to do would be to insure the vehicle itself. Such insurance would cover any damage or loss due to accidents, riots, strikes, fire, natural calamities such as floods, cyclones, earthquake, etc. While the car is being used on the road, or being transported by rail, sea or air, vehicle insurance coverage is also applicable.
Besides the car itself, people travelling in the vehicle would also be insured. The Personal Accident Cover under automobile insurance, covers the owner/driver of the car. If the car when in motion causes injury or death to another person a Third Party Bodily Injury Liability insurance comes into play. Also if the car causes damage to