Automotive

Your car is a significant investment. That’s why you ought to maintain it and ensure it looks good all the time. Ceramic coating is one way to ensure that your car is well taken care of.

Your car’s paint job may look less pristine over time due to exposure to sunlight and other debris such as bugs, dust, tree sap, gas and chemicals. A ceramic coating can help with this but if you are new to the car care world, you may wonder, what is ceramic coating?

Ceramic coating is a temporary coating that is applied to the exterior of your vehicle to shield it from external paint degradation. It is a nanoscopic paint solution that is sprayed in a fluid state but dries to form a hard covering over your vehicle’s paint. Here are the benefits of applying a ceramic coating to your car

1.     Protects The Paint

When you drive your car, you subject the paint to contaminants that might ruin it. Ceramic coating forms a solid, protective barrier on your vehicle’s body, keeping extraneous particles from causing harm. It can withstand harsh use without creating visible damage to your automobiles, such as aging, corrosion, and corrosive stains. A ceramic coating on your car can help protect it from UV light, which can cause corrosion. This is particularly useful if you park your car outside. Notably, ensure you utilize high-quality ceramic coating sprays such as Nexgen Ceramic Spray and Torque Detail.

2.     It Makes Your Car Look Cleaner

Because of the firm surface provided by ceramic coating, dirt and debris won’t get stuck so easily. This implies that your car stays cleaner longer, and when it does need to be cleaned, it is easier to do so – removing all of the dirt takes considerably less time than it usually would. Check out Car Care Reviews for the best products to use and how to apply them.

3.     Cost-Effective

One of the best features of ceramic coating is that it is a fairly priced option for car owners. While the initial cost may be higher, you will save money over time because you would not have to pay for products such as wax, vehicle washes, and other external maintenance and repair.

4.     Improves The Car Aesthetics

 The ceramic coating protects the surface of your car, but it also leaves a lovely, candy-like luster for everybody to appreciate. It will bring out the finest in your original paint job, restoring your car’s appearance to when you first drove it.This is where you’ll find the beauty that all vehicle owners will like. Consider using Mothers CMX Ceramic Spray coating and enjoy the benefits it carries along with it.

5.     It Is Long-Lasting

Wax-based paint coatings, for example, deteriorate significantly quicker than protective coatings When you choose a professional ceramic coating, you can rely on it to last for years without deterioration due to exposure to weather, atmospheric elements, bird droppings, or other potential pollutants.

In conclusion, there are several advantages associated with ceramic coating. However, ensure you are choosing a quality product and if you want to apply it yourself, learn how to do it right.

Your vehicle is among the most indispensable and convenient commodities in life. Without it, you can be left booking costly Uber rides or running at the bus station.

So it is necessary to take care of your vehicle and don’t overlook warning signs showing that your car is not in good condition. Some of the signs that may show that you need to take your car to an auto repair shop include:

1.     Excess Exhaust Smoke

Among the first things, you will start noticing when your car’s engine has an issue is excess exhaust smoke. Based on the color of exhaust smoke, you may at times diagnose the problem.

White smoke is a sign of burning coolant, black means you are using a lot of gasoline, and blue smoke usually represents burning oil.

2.     Leaking Fluids

Whether it is transmission fluid or oil, your car should not leak things on the road. If you start noticing a puddle of liquid below your vehicle each morning when leaving for work, it means there is something in your engine that must be addressed.

Leaking fluids may force your car engine to overwork – meaning it’s more likely to get damaged or die. It may also burn the fluids quickly and damage the pistons and belts, which need to be lubed frequently to work properly.

3.     Strange Noises

Ticks, squeaking, and clicks can also be a sign of an issue under the car’s bonnet. If the sound becomes more intense or the issue seems urgent, you will need to pull over and call your mechanic immediately.

For less urgent cases, you need to consider what they sound like, when they occur, and where the sounds come from. These descriptions can help your mechanic a lot in diagnosing the issue.

4.     Minimized Performance

If your car finds it hard to get up to speed or you notice a decrease in miles, it means there is a problem that should be addressed right away.

Different things can lead to poor performance of your car’s engine. So ensure you enlist the help of a knowledgeable and good mechanic to diagnose the issue.

If the speed bumps become a haul, it means your vehicle is riding low. At times, you can also hear the tires scraping. Either of these signs can signal difficulty with the car’s suspension.

5.     Warning Lights

One of the signs showing that your car requires repair is the dashboard warning lights. Unfortunately, the engine’s light might indicate that there is a problem with your car, which might be difficult to determine whether it is a minor or major issue.

This is why it is imperative to work with a good mechanic so they can check out the problem as fast as possible. This is more vital when the light starts to flash.

Closing Remarks!

As individuals exhibit signs of exhaustion and weakness, your car might as well let you know about its current state.

But performing car maintenance routinely may save you cash and time and even ascertain that you have a safe driving experience.

Shopping for a New or Used VW? Here’s What to Look Forward To

Chances are, it’s been a very long time since you’ve set foot on a car dealership’s lot. The last couple of years have been fairly eventful. Now that things are getting back to normal, you may be considering either a new or used vehicle purchase.

Considering that Volkswagen is one of the nation’s leading brands, you probably have your eye on a vehicle like the VW Jetta, the VW Tiguan, or the exciting, all-electric VW ID.4, which was last year’s winner of the World Car of the Year Award. When it comes to picking out a fantastic compact, sedan, or SUV, you really can’t go wrong with a Volkswagen.

So, what should you expect when you visit a Volkswagen dealership? To give you a preview, we’ll walk you through some of the main aspects of car-buying when working with the friendly folks at VW.

Research Before You Visit

Car shopping isn’t like it was 20 years ago. Gone are the days where you would visit a lot with no idea of what they have to offer. The beauty of shopping with Volkswagen is that they list their entire catalog of used and new vehicles right on their website.

This allows you to shop at your leisure and identify the cars that seem like a good fit for your driving style, storage needs, and budget. Having a general idea of what you want will greatly speed along the process and help your salesperson figure out which cars are going to be the best candidates for test driving.

Working with a VW Salesperson

The salespeople at Volkswagen are widely regarded as some of the most knowledgeable and friendly in the car buying industry. Your salesperson isn’t going to be interested in selling you just any car – they want to help you find the right car. This means that they’re going to ask several questions to narrow down the selection to a handful of vehicles that are going to be the ideal fit.

Some of these questions include:

“Are you more interested in a new or used vehicle?”

“Do you see yourself driving a compact, sedan, or SUV?”

“What vehicle attributes are most important to you? Features, storage, fuel economy?”

“What is your approximate budget for your vehicle purchase?”

Questions like these are important because it helps zero in on the handful of vehicles that are going to best suit your needs. For instance, if the most important thing to you is getting great fuel economy, then your salesperson would more than likely show you a new or used Jetta. The 2022 VW Jetta gets up to 41 mpg on the highway, which makes it one of the best vehicles in its class.

Or perhaps you have a large family dynamic and require a lot of seating. In that case, your salesperson would likely recommend the Volkswagen Atlas, which comfortably seats up to seven people.

Don’t be afraid to tell your salesperson exactly what you want or need. It helps them help you.

New vs. Used

If you are struggling with figuring out if you want to go with a new or used vehicle, your Volkswagen salesperson can breakdown the pros and cons. On the one hand, a new vehicle is going to be covered under the Volkswagen Carefree Coverage warranty which protects your vehicle and covers many of the routine maintenance services. This also ensures that you get every modern safety and convenience feature offered by VW. Additionally, a new vehicle gives you peace of mind knowing that it’s never had a previous owner.

However, used vehicles also have their own distinct set of advantages. Most new vehicles depreciate by 20% within the first year of ownership. By going with a used vehicle, you dodge the depreciation issue and can save a ton of money on the sticker price. Additionally, you can buy with confidence knowing that certified pre-owned vehicles have undergone a 100+ point inspection and come with their own limited warranty and roadside assistance.

Test Driving

Nothing quite seals the deal on whether or not you want a car quite like a test drive. Once your Volkswagen salesperson narrows down the vehicles you want to a few choices, you can then take a few test drives to see how these vehicles handle. This also gives your salesperson a chance to further explain the vehicle’s specific features and benefits that you can look forward to once you’ve purchased it.

Working With You on Financing and Trade-Ins

Most people don’t buy their vehicles in cash, so you can rest easy knowing that the staff at Volkswagen will work with you on your trade-in and securing financing for your new or used vehicle. Oftentimes, this process is quick and easy.

For trade-ins, all they need to do is give your current vehicle a quick inspection to determine the trade-in value. They can then apply that value to your new or used vehicle purchase. For financing, all that needs to be done is a quick check on credit to determine the financing terms that they can offer you. In some cases, they can lengthen the financing terms to make your monthly payment more manageable.

Finding a Volkswagen Dealership Near You

Volkswagen dealerships are so numerous that finding one near you should be no problem at all. You can kick things off by searching the phrase “Volkswagen dealership near me.” That should bring up at least one or two locations in the nearby area that you can visit.

Remember, if you’re making plans to visit a dealership, it always helps move things along if you shop on their website first. Try to narrow things down to two or three vehicles that you’re interested in hearing more about. This will help your salesperson facilitate the process of finding you the perfect Volkswagen for your needs and budget.

Auto insurance works by covering the costs of damages, injuries, and theft. It also covers lawsuits and legal fees if you are sued due to an accident or injury caused by your vehicle.

State laws require car owners to carry specific minimum amounts of liability insurance. Your auto insurance policy must pay these amounts if you’re found legally responsible for causing a crash that injures others or damages their property.

Why Do You Need Auto Insurance?

You need the best auto insurance because it provides financial protection for you and others involved in a motor vehicle accident. Having the right auto insurance is important and can save you money when you need it most. It also provides security against damage to your vehicle. Auto insurance can also help pay for medical expenses and property damage caused by an uninsured or underinsured driver.

Auto insurance is required by state law. In most cases, auto insurance is mandatory if you drive a car. If you drive without insurance, you may be subject to fines, license and registration suspension, and even jail time, depending on the state in which you live.

In addition to being required by law in most states, auto insurance provides financial protection for both you and other drivers on the road. A few of the common coverage types include:

Bodily injury liability

Bodily injury liability (BIL) pays for injuries to others if you are at fault and can cover medical expenses, lost wages, and other costs. It does not cover you or your passengers. BIL may be required by law in some states and voluntary in other states.

If calculating the cost of a car accident is your idea of fun, this is the coverage for you.

Property damage liability

Property damage liability coverage is designed to pay for the damage you cause to another person’s property. These damages can include other vehicles, homes, businesses, fences, and trees. Additionally, most property damage liability policies covered vandalism and theft as well.

The amount of property damage liability coverage you have selected on your policy will determine how much the insurance company will pay out if you are deemed at fault in an accident. If the damages exceed your coverage limits, you would be responsible for paying out of pocket for the remaining balance. Property damage liability also doesn’t cover any repairs or replacements needed on your own vehicle. That’s where collision and comprehensive insurance come into play.

Property damage liability is often very affordable. You may feel comfortable purchasing more than the minimum requirement set by your state. As with all car insurance policies, it’s a good idea to check with your agent to see what type of coverage they recommend based on a number of specific factors and your particular situation.

Collision coverage

• Collision pays for damage to your vehicle that occurs when you collide with another vehicle or object, such as a pillar or a tree.
• Your lender often requires collision if you have a car loan: As part of the loan agreement, your lender will state that it must be listed as a loss payee on your policy. If your vehicle is damaged in an accident and isn’t covered under collision coverage, even though the lending institution requires it, you may be obligated to pay off the entire loan amount out of pocket.
• Even if a collision isn’t required, it’s essential to consider purchasing this type of coverage. For example, when you take out a car loan, the bank owns the car until the loan is paid off. That means that while they don’t technically “own” it until they pay it off, you do. They still want assurance that their investment in you will hold value over time.

Comprehensive coverage

Comprehensive coverage caters to your car damage rooting from other factors apart from a collision with another vehicle. It can cover damage caused by theft, flood, hail, fire, and vandalism. Comprehensive policies may also cover damage to your windshield even if it’s not caused by a collision. And some even offer coverage for custom parts and equipment.

Uninsured motorist coverage

Uninsured motorist coverage protects you in case you collide with a driver who doesn’t have insurance. It also covers you from drivers who flee the scene after hitting you, leaving you without insurance information, or a driver with insufficient insurance to cover your costs. These types of accidents are sometimes called “hit and run.”

Don’t get stuck with a bad policy

The biggest mistake people make is to pick the cheapest coverage they can find, only to be stuck with a policy that won’t cover anything. On the other hand, if you roll the dice and pick a policy for more expensive coverage, you may find yourself in a terrible situation later when it becomes time to pay up. For example, imagine being in a wreck and having your car totaled because your policy covered $20,000 less than it should have. Alternatively, suppose you got involved in an accident while driving underinsured and lost your license or worse.

An insurance company’s job is to protect you against these kinds of scenarios by finding ways to get as much money out of you as possible so it can stay in business. So before ever buying a policy, be sure to shop around at several different insurance companies and ask them questions about their policies and their claims history. Then choose the company that has been most successful at getting people out of debt. And don’t forget to ask your agent about discounts.

Key Takeaway

Finally, note that auto insurance is a compulsory purchase, required by law. Besides, the price you get charged for it can vary wildly. The cost of your auto insurance is determined by many factors, including your age and gender, the type of car you drive, and where you live. But there are also a few things you can do to cut the cost of your cover.

Although insurance cover comes in handy if your car is vandalized or stolen, always ensure you park your car safely overnight in a locked garage or off-street parking. This will reduce the chances of your car getting stolen or vandalized, which will be reflected in the price you’re quoted for your insurance. Many insurers will also offer you a discount if you have additional security features on your car, such as an alarm or immobilizer.

Besides regular car services and maintenance, cleaning your car is essential to help protect your car’s surfaces. You should never take any chances when it comes to your automobile. You should diligently schedule regular maintenance and take it in for expert treatment at the first hint of a problem.

Of course, if you’re like most Americans, who put off five million brake repairs each year, this isn’t the case. The fact is that automobiles are constantly ignored. Whether it’s routine maintenance, repairs, or professional cleaning inside and out, expert automobile care is the greatest care you can offer your car. That isn’t to say you can’t offer it some affection yourself.

Here are some tips and tricks you need to know when cleaning your car

1.    Use a Car Wash Soap

A thorough hand wash is the finest way to clean your automobile. Unfortunately, it is only true if everything is done properly, which most drivers fail to accomplish. What appears to be a very easy procedure, may inflict a lot of damage to the paint if done incorrectly. Because of this, a car should be washed at least once a week. Notably, when cleaning the wheels and engine, ensure to utilize a wheel and engine cleaner.

2.    Remove The Tar

You could discover that there are some elements that soap alone cannot remove. Various vehicle designed chemicals are required to clear different impurities, which is why a professional service is beneficial. Some of the water-soluble ones will be removed using car wash soap. Others will need a wax-and-grease remover that is petroleum-based. Such is road tar. You’ll need a bug and tar remover to get it off; soap won’t do it. One chemical is used to remove the bug remnants. Another, hard water spot. Rail dust and other surface impurities must be removed mechanically using a clay bar or machine buffing.

3.    Apply Wax Or Sealants

Car washing and waxing appear to be a luxury. However, in the 1950s, there was significantly less harm that could be done to an automobile when washing and waxing than there is now. It’s easy to badly scratch the high-tech clear coat finish by washing it incorrectly and waxing it incorrectly. That isn’t to say you shouldn’t wax your automobile. Just ensure you use the right waxing essentials and sealants from a reputable seller. Nexgen detailing supplies are among the best products on the market you can use to look after your car and give it a glossy shine and finish.

4.    Clean The Interiors

Experts disagree on where to start when it comes to the inside. Some advice begins at the top, as with the outside. Others advise removing heavy filth and debris from the carpets before treating the delicate skin on the dash and electronic displays. In any event, the carpet and upholstery will need to be cleaned. Specifically, make sure you clean your interiors with the correct car interior cleaner.

5.    Clean The Glass

The glass is the last step on the automobile cleaning checklist. When done incorrectly, this is frequently the number one customer complaint. To begin, clean the windows with a car glass cleaner. Ammonia is commonly used in household glass cleaning solutions, which can produce streaks and fog. It can also cause problems with glass tinting.

Instead of washing sponges or cotton towels, which might be too harsh for automobile surfaces, use a microfiber towel. Alternatively, newspapers have long been a favorite. Just be cautious not to use paper that has too much ink on it, as the ink might stain light-colored furniture. Cleaning other surfaces might splatter materials on the glass, forcing you to do it again. Save the glass for last. Moreover, do it in the shade.

According to Montana state laws, any automobile needs to be registered. This includes motorbikes, quadricycles, sailboats, jet skis, motorboats, and any other motorized sea craft. The only exception is for the pickup campers, which must be titled but not necessarily registered.

Montana vehicle registration must be done within 60 days of relocation, failure to which may subject you to a hefty fine. Moreover, you must go to your county treasurer’s office to register the vehicle and supply the necessary information.

The following are some of the items you will need while registering your vehicle:

• a completed application for car registration
• insurance documentation
• the title of the vehicle
• a certificate of registration from your previous state

Here is a step by step guide on how to register a vehicle in Montana

1.    Ensure You Have All The Paperwork

If you lived in Montana and bought a car from a dealership you will be able to have them handle all of the paperwork and registration for you. To guarantee that you can obtain the vehicle’s tag, make sure you acquire copies of the papers.

When buying a car from an individual, you’ll have to do all the paperwork and registration yourself. Additionally, you may hire a Montana registered agent to help you through the whole process of registration. They will ensure that you have all the documents necessary and make your job easier to register your car. Here are some of the things you’ll need before going to the treasurer’s office to register the vehicle:

• a completed application for car registration
• insurance cards for automobiles
• your name is on the title of the automobile.
• the vehicle’s odometer reading
• fees for titling and license plates

2.    Pay Up The Registration Fees

You will also be required to pay a registration fee. It will cost $217 to register a less than four years old vehicle.

The registration price for automobiles aged five to 10 years is $87.

It will cost $28 to register a vehicle that is 11 years old or older.

3.    Inform Your Car Insurance Company Of Your Move

Remember to notify your auto insurance company of your relocation. Because your policy will have to be rerated for Montana, now is an excellent opportunity to shop around and compare rates to verify you’re getting the best bargain.

Notably, if you relocate to a new state, you will need to re-register your vehicle. Assume you registered your automobile six months ago, and both your old and new states require you to renew your registration every year. To comply with the law, you cannot wait six months after moving to a new state to renew your registration. As soon as you relocate, you must renew your registration.

The above listed is a step-by-step guide to a car registration in Montana. Ensuring you abide by the state registration laws is crucial to avoid penalties. And in case you didn’t know, registering a RV in Montana or a car, is cheaper than in most states, which makes Montana even more attractive for those who wish to buy a new car and save some money in the process.

There are a couple of factors that clients should consider before opting for an auto insurance agency to commit. When these factors get considered, one gets assured of nothing but the best services available in the area. These factors include:

Licensing

A good insurance company has acquired a license for operations. A license is a legal document that recognizes an institution or organization and permits it to conduct business. A business that conducts its operations without acquiring a license from its local authorities is doing so illegally. Persons get urged to keep away from such business to avoid further complications.

Financial Solidity

When ensuring an automobile, the premiums get paid to facilitate repayment in an accident. The insurance company has to pay their clients as per the agreement. However, all contract terms have to be fulfilled by the word for compensation to occur.

Some insurance companies might not have enough financial abilities to handle their clients in compensation. Before listing one’s vehicle to an auto insurance agency, it is important to check if the agency can afford to pay up compensation as per the agreement. Where instances of inadequate compensation or total failure to compensate are witnessed, clients get urged to shun such.

Price

The price one is to pay to an insurance company is the premium. Premiums differ from one person to another depending on a couple of factors, the major one being the value of the car getting insured. The higher the car’s value, the more the premiums are expected to pay. However, other factors such as the insured risk frequency of occurrence also contribute to insurance price calculation.

Additionally, there are auto insurance agencies that offer discounts to their customers. Under certain circumstances, these discounts get given to persons, such as paying premiums further in advance. Insurance agencies provide their clients with options for getting their premiums paid. Customers are also encouraged to accept premiums which they would get comfortable paying even in economically tough periods. Unnecessarily high premiums should be avoided at all costs, for it can sometimes be an act of exploitation.

Some opt for monthly payments; there are quarterly and even yearly payments. At most times, it is found that those who pay their premiums yearly save a little bit more than those who get to pay a monthly one. Some auto insurance agencies offer discounts also to those who make referrals toward the company.

Ill practices such as undervaluing one’s car to pay lower premiums should get discouraged. It gets back to the client when the insurance company fully compensates the car in times of an accident. Where a car is undervalued, it will also receive a compensation amount way below its original value, which the client would consider a loss. Similarly, an overvalued car will require the owner to pay premiums higher than the recommended ones. However, they are likely to receive more than the car’s actual value in times of compensation. However, whenever either of these gets realized, the auto insurance agency has the right to terminate the contract immediately.

Reputation And History

The reputation of an insurance agency matters. It is considered the public view about the quality of services offered by an agency. There are many ways to figure out the history of an insurance company.

Among the simplest ways is via conducting a web search. Searching the agency’s name would display any news recorded about the company, whether negative or positive. It is upon the client to decide whether to agree or decline.

Testimonials and reviews are among the other ways one can get to figure out the reputation and history of an auto insurance agency. Testimonials are comments made by a client stating how using a particular product affects them. However, reviews are comments made by a client about the quality of services offered by a company to a client. At most times, these testimonials and reviews are more of an honest opinion.

Convenience

Convenience by an insurance agency gets displayed on very many levels. First, it is important to ensure that the agency of choice is within one’s locality. It is to ensure that it’s accessible whenever. However, it should have a couple of channels available for timely client-business communications. Also, people are urged to communicate directly with the insurance companies and not brokers for top-notch quality services getting offered conveniently.

Convenience gets enhanced by technology through online platforms. An auto insurance agency that has got online platforms for their customers is found to be very efficient. It means that the clients to that particular insurance company do not have to visit the offices for services; however, they can access it all from the comfort of their homes. However, for those who have not yet transitioned into the online world, the company is expected to have offices at strategic locations to ensure that every client can access them when necessary.

Other levels of convenience include those of payments. An agency should have options to pay cashless after an order. Additionally, convenience gets enhanced when the agency interacts with its clients via social media platforms, especially to inform or update all its users on pending changes. Also, whenever a client has an issue with their cover, instant communication should conveniently resolve the issue.

Reliability

Reliability is a key feature that all insurance agencies should have for good business practices. Whenever one needs services from an insurance company, they should get availed in the shortest time possible.

A good insurance company gets highly responsive, especially in times of emergency. Reliability is especially present where the agency has a good customer service base. Whenever one requires any extra assistance concerning insurance, the company should promptly get available to offer assistance to their user.

Auto insurance agencies can grant loans to their clients with their automobiles as insurance itself. Such levels of reliability are what make customers opt for such agencies. Who wouldn’t enjoy such reliable offers from an insurance company?

Everybody takes the first chance they get to buy a vehicle of their own. That is especially true for two-wheelers. Compared to cars they are cheaper and offer a great deal of convenience on the road. However, having a vehicle is not just about adding convenience to your life. Owning a bike is also a big responsibility. Even after you have purchased a bike, you must bear expenses to keep the bike in good shape. This includes spending on the small things known as consumables that increase the overall cost.

What are the items used in a two wheeler?

When talking about two-wheeler or bike insurance, the word ‘consumables’ should come in your way. To shed some light on consumables, they are components of the automobile that are fully utilized when they are used. These are non-reusable components and cannot be refilled.

Materials such as screws, nuts, bolts, lubricants, brake oil, fuel filters, grease, air conditioning gas, etc. are included in consumables. Consumables are not usually part of the basic bike insurance policy and are usually included in add-ons that are available to buy with insurance providers.

Factors to be aware of while claiming a consumables cover

There are several factors to consider before claiming a usable cover on two-wheeler insurance. They include:

• Report damage or accident immediately and have the vehicle repaired or repaired within 3 days of the accident – if this does not happen within the allotted time it is pointless to attempt to insurance claim because it does not count as eligible. Therefore, to avoid any claim rejection, it is always advisable to claim within the stipulated 3 days.
• The consumables cover only works with its own damage coverage. Consumables are an add-on, so they fall under the umbrella of ‘own damage’ to the two-wheeler. In such cases, it is necessary to know about the terms and conditions of the policy to make the claim process much easier.
• Consumable’s cover is only available for two-wheelers under 5 years of age. Vehicles older than 5 years are not eligible for usable cover.
• As with most policy add-ons, the policyholder must have a clear copy of all valid driving licenses and insurance documents. If the documents are not submitted immediately after the accident or damage, the usable cover will be canceled or invalid.
• Any wear and tear or deterioration of vehicle parts to consumables that is caused due to intoxication, malicious driving, etc. will not be eligible for a claim.

* Standard T&C Apply

While the consumables cover is part of the policy, it is an add-on. Hence, it is important to report any kind of damage or accident as soon as possible. The longer you take to make a claim, the more difficult claim settlement becomes. In such a situation, it is wise to ensure that all the damages to your bike are covered under your policy. Therefore, it is smart to buy a consumer goods cover, providing extra coverage for the two-wheeler in the event of an accident or damage. You must ensure that the coverage including the consumables cover falls within your set bike insurance price range. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

At the time of buying a new car, the purchase of car insurance is usually handled by the vehicle dealer. After that, the only time a car dealer will pay attention to the car insurance policy is during policy renewal or in case of a claim. While the policy can be renewed by the car dealer, the claim can only be settled by the insurance company. Therefore, it is important to know about the claim settlement process.

Car insurance companies work hard to make the car insurance process more convenient for policyholders. They try to make all the procedures related to car insurance very simple. When it comes to claim settlement, as a comprehensive car insurance policyholder you have two options. These are known as reimbursement claim process and cashless claim process.

What is the cashless claim process?

If your insurance company allows you to buy car insurance online, they will have the provision of cashless claims. A cashless claim is a type of claim where the garage and the insurance company will settle the bill among themselves if you meet the terms and conditions. You should only consider depreciation costs, deductible costs, and any other repair costs that are not covered by the policy. An important advantage of this type of process is that if the repair amount is too high, you do not have to immediately arrange the money for it. Whereas, in the reimbursement process, the policyholder must pay for repairs and receive the reimbursement later.

Cashless claims are possible due to the affiliation between insurance companies and garages. Network garages are garages that have tie-ups with insurance companies for a cashless claim settlement. Since there is a tie-up between the garage and the insurance company, the process between the two is streamlined. This ensures that the claim is settled quickly and easily. * Standard T&C Apply

Steps to Claiming Cashless Car Insurance:

The exact process of making a cashless insurance claim is decided by the insurance company. Hence, you would have to check with your insurance provider about the process as well as the technical support they provide for it. Here is a step-by-step overview of making a cashless car insurance claim:

• Contact your insurance company by calling or sending an email. Nowadays, some insurance companies have a special section on their website to start the claim process.
• Share the details of what caused the car damage.
• Follow the procedure outlined. For example, in the event of a theft, you may be asked to file a first information report and share other supporting documents.
• For accident claims, the surveyor can visit the accident site. Otherwise, the car must be taken to the network garage and the surveyor will see the damage there.

• The surveyor and mechanic will discuss and inform you about the cost of repairs and the amount covered by the policy based on the coverage and applicable terms and conditions.
• The car will be repaired, and the bill will be settled between the garage and the car insurance company. After this process, you will need to pay the remaining balance amount which is the deductible amount to the garage.

* Standard T&C Apply

The best thing about cashless claims is that they are an in-built feature. This means that you do not have to purchase an add-on or suffer higher car insurance prices to have access to the cashless claim facility. Hence, if you do not already have it, you should buy a comprehensive car insurance policy at the earliest. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.