Does a Car Insurance Policy Cover Car Suspensions?
If you opt for a comprehensive car insurance policy, you become eligible for a variety of car insurance coverage. Knowing about these covers is important to avail yourself of the best benefits from your car insurance policy. In this post, you will learn if a car insurance policy covers car suspension expenses. Read on!
Car Suspension
The Suspension of a car works with the help of a set of things which connects the vehicle and its wheels and allows simple and balanced movement between them. The various parts that work in the smooth functioning of the suspension include tyres, shock absorbers, springs, linkages and tyre air. All these parts make it smooth for the wheel and the car to connect and provide smooth movement.
Thus, suspension is a car part that resists the unwanted power faced by the person driving the car on bumps and potholes on the road.
The suspension makes the wheels stay in touch with the road surface and protect the tyre and tubes of your car from regular damage. In terms of design, the front and back suspensions of vehicles might differ.
Read More: What is Comprehensive Car Insurance Policy – Know Everything
5 Things That Damage the Suspension of a Car
It is careless driving that can lead to damaging the suspension of a car in many cases. Below are some basic things that can ruin a car suspension:
- Slamming the brakes hard – Unless unavoidable, never slam your car brake hard. It not only locks the tyre brakes but also uses the ABS or Anti-Lock braking system of your car, which over time damages the car suspension.
- Driving at high speed on speed bumps – Speed bumps are another factor that damages the car suspension. If you drive fast over the speed bumps, it could damage the car suspension immediately. Thus, it is better to slow down on speed bumps.
- Loading the vehicle with more weight than the set limit – Never try to burden the car with extra load than it can handle. This is because the car suspension is designed in a way to handle a particular weight and if you add weight beyond that limit, it will create unnecessary load on the suspension and damage it over time.
- Not getting proper servicing done on the suspension – Like other parts of your car, the suspension also needs regular servicing. Thus, it is important to send your car for regular servicing. Or you might be paying thousands of rupees on your car repairs.
- Getting into frequent reckless driving for fun and adventure – Reckless driving off-road can also damage your car suspension. Most car suspensions are built in a way to handle stress on a particular kind of landscape and if you take your car on rough terrains frequently, it might destroy your car suspension.
Also Read: Best health insurance company in India
Does Car Insurance cover Suspension damage?
Most comprehensive car insurances cover the tyres and tubes of your car if they get damaged in an accident. However, in this case 50% of replacement cost has to be paid by the insured. And in case the insured wants to have full coverage of the claim, they must buy a zero depreciation add on cover.
However, the minor tyre damages and puncture etc. are not covered under comprehensive plans. So, if you buy the tyre protection add-on with your comprehensive car insurance plan, you can ensure to get compensation for the cost of replacement, repairs, labour charges etc., related to tyre damages.
Since car suspension parts mostly consist of tyres and tubes, comprehensive car insurance with few add-ons might be helpful in covering the suspension costs. Moreover, looking at the Indian roads, it becomes all the more important to have an all-inclusive car insurance online policy. This helps the insured in avoiding the expensive car suspension repair costs in India and damages of tyres and tubes.
Also Read: Best policy for girl child
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
Other Motor Insurance Products
Latest Post
.jpg)
Choosing the best health insurance for parents as they grow older and become more prone to diseases is important. With medical costs on the rise in India, properly insuring your parents can help alleviate some of the financial strain. This will ease the burden of unforeseen medical emergencies.
However, choosing a good plan can be a tricky matter. There are many kinds of insurance policies available, you should consider their health situation and future needs and know about insurance policies in general. This guide explains what crucial points to take into account (including renewal processes, age, and health conditions ) and helps bring clarity to make educated decisions.
.jpg)
Even though motherhood is one of the most beautiful things in a woman’s life, it is also one of the most financially burdensome phases. Maternity insurance entails all forms of checkups, delivery and postnatal, and as such expenses can easily skyrocket.
Therefore, it becomes a worthy affair for expecting parents to incur the cost. Maternity insurance covers several expenses that are associated with pregnancy and assists in reducing the financial stress and offer assurance during this important time.
.jpg)
For a homeowner, insurance acts as an essential part wherein the protection of their assets is ensured. In this regard, appraisals in real estate work in tune with something called the 80% rule that is used for selecting a policy and at a rate. Loss can become an absolute if one cannot fathom what homeowner insurance is. This blog will discuss the range of the 80% rule and how it affects your premium.
For policyholders, medical insurance has been a contentious issue, especially on account of claim rejections or delays. However, the insurance industry is increasingly worried about the rise of tech-savvy fraud, where fraudulent medical claims are made using forged documents and sophisticated digital techniques.
Speak to our Advisor
+91
