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Motor Vehicle Insurance
The motor vehicle insurance certificate is a legal requirement as per Chapter XI of Motor Vehicle Act 1988 (sec 146 & 147). It gives financial protection from accidental risk. It is very much dangerous and illegal to drive a motor vehicle without insurance.  
  • Driving or allowing a vehicle to be driver on road without proper insurance cover is serious offence under the Motor vehicles Act 1998, so also is an act of irresponsibility, which everyone should avoid.
  • Under the Provision of Section 140, any road accident victim, can avail of compensation under the principle of no fault. Further, under section 163 of Motor Vehicle Act 1998, the compensation to the road accident victim is given in Hit and Run cases.
Type of motor vehicle insurance
  • Third party policy : This covers the risk or damages caused to the third person. Personal injuries and personal vehicle damages will not be covered by this policy. For two wheeler vehicles we can take this policy for life time.  For other vehicles this policy has to be renewed annually. This is the cheapest available motor vehicle insurance policy. This policy can be renewed two months in advance of its expiry.
  • Comprehensive policy : This is the costly policy. It covers both personal and third party risk. We have to renew this policy annually, and it can be renewed two months in advance anywhere in India.
Duplicate insurance certificate :
If the motor vehicle insurance certificate is lost or defaced, duplicate copy may be obtained by making an application to the concerned Insurance company branch by paying fees.  
Transfer of insurance :  
Third party insurance policy changes automatically when the registered owner changes. In case of comprehensive policy an application is to be made for change of ownership in the policy.  
Accident Claims :  
To obtain motor vehicle claims of an accident, one has to make detailed claim to the concerned insurance company. One who makes a claim application has to give following documents:  
1 Valid driving licence.  
2 Valid insurance certificate.
3 Valid registration certificate.  
4 Valid tax certificate.  
5 First information report (FIR).  
6 Valid permit for a transport vehicle.
7 Valid fitness certificate for transport vehicles.  
8 Claim estimation report by an authorised surveyor of the Company.  
 
             Attention

Drive Safely...
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Driving is a privilege not the right...
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Driving under the influence of drink / drugs is an offence
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Never make any alterations in your vehicle without the prior permission of RTO
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Talking on cell / mobile phone while driving is an offence
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Take special precautions on unguarded railway crossings
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Renew your driving License before it expires
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Driving any motor vehicle without valid driving License is an offence...
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Pay the motor vehicle taxes in time and avoid the detention of vehicle from RTO
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Hurry leads to mistakes, mistakes leads to accidents
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Give way to your right hand traffic
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Do not jump signals
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Start early, drive slowly, reach safely
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Observe lane discipline & speed limits while driving
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Drowsy driving is lousy driving
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Make safety a way of life...
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Hill driving is skill driving
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Check your sight for driving at night
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When alcohol takes over one cannot think straight
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Be broad minded on narrow bridges
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Attention !
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Submission of false documents is an offence,
liable for criminal action against the applicant.
Submit genuine Documents only.
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