Understand Car Insurance | Adapted Vehicle | Invalid Carriage | Cars for disabled

In conversation with Sh. Pawan Gupta Jee.
His contact details are as follows:
011-46071272
99106 04325
_________________________________
Car Insurance for the disabled and Discount on the premium (which type of policy).
For insurance of 4 wheeled vehicles specially designed or modified for the disabled person, a discount of 50 percent would be allowed on the “Own Damage” premium irrespective of whether the vehicles are for private use or driven by organizations involved in providing service to the blind, physically handicapped or mentally challenged persons. The insurance companies allow discount only to those vehicles that have been suitably endorsed in the Registration Certificate by the Road Traffic Act (RTA) concerned.
But understand the meaning of types of insurances.
The new Motor Vehicle Act 2019 has been implemented to ensure that road casualties in India decrease. You too can help the authorities make Indian roads safe to drive by simply being a responsible citizen and adhering to the rules
So you decided to buy a car. Hence it is equally important to know the type of insurances.
1. Third Party Insurance
2. Own Damage Insurance
3. Comprehensive Insurance (Own Damage + Third Party)
Third-Party Motor Insurance
Third-party motor insurance is the most basic policy offered, which takes care of the third-party damages incurred due to your vehicle, when in an accident. The plan not just covers the third-party vehicle damage, but also takes care of the treatment cost of injuries caused to a third-party. As third-party motor insurance is made mandatory as per law, the plan has gained major significance.
Third-party car insurance is compulsory/ mandatory by law under Motor Vehicle Act, 1988. So, in case you do not have basic coverage under your name, you might have to face hefty penalties. In extreme cases, it can also lead to the termination of your driver’s license.
Own Damage Insurance
As the name suggests, an Own Damage Insurance is a customized motor insurance policy designed to protect you and your insured vehicle from your own damages, i.e. damages and losses caused to your own vehicle.
Let’s take a seemingly funny but often true example; let’s say your car is parked at its usual place and all of a sudden, the tree beside lets down one of its branches or worse, your neighbor's cricket ball attacks one of its windows and the ultimate, a coconut falls and leaves not only shackles but dents too!
Funny as a story but, hefty losses in retrospection, in real life! In such situations, OD insurance is one that could help you get out of such unfortunate troubles.
It covers:
1. Damages to your vehicle in an accident
2. Theft of your vehicle
3. Losses caused to your vehicle in a fire
4. Damages caused to your vehicle due to a natural calamity
It doesn’t cover
1. Third-party liabilities
2. Drinking driving
3. Driving without a license
4. Add-Ons not bought
5. Consequential damages
6. Contributory negligence
Comprehensive Insurance (Own Damage + Third Party)
Along with third-party liabilities and damages, the comprehensive plan offers 360-degree coverage with a cover of own damage too. This means any damage incurred to a third-party as well as your vehicle or any bodily injuries incurred when your vehicle is involved in an accident is covered under your plan. The comprehensive plan is a bit more expensive than a third-party cover, however, a comprehensive plan is the most recommended one for its all-round protection.
Apart from the above-stated benefits, comprehensive car insurance has other advantages too. It includes -
• Own Car Damage: Along with third-party coverage, this policy also covers claims for damages incurred by your vehicle.
• Personal Accident Cover: In your unfortunate dismissal, or in case of partial or permanent disability because of the accident, your insurer will compensate you or your family members. This thus reduces the financial overhead.
• Human-Made and Natural Calamities: Comprehensive car insurance covers for loss/damage incurred due to natural and human-made disasters.
• Theft: If your car is stolen, you can file a claim. The insurer will compensate for the amount that will be equal to the insured declared value (IDV)
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#carinsurance #adaptedvehicles #invalidcarriage

[@narendradeotiwari80]

बहुत बहुत धन्यवाद मैडम, बहुत ही सुंदर जानकारी दी, साथ ही पवन सर का

[@mayurbhat147]

Thank you

[@singhalsahabkibeti27]

Thankx mam this information is really helpful

[@gauravchaudhary7841]

Very nicely explained.. Thanks

[@anilsonawane6899]

Very nice information for disabled persons.

[@shanushandilye1790]

Thank you so much for this very useful information ....🙏🙏

[@rajeshpanwar6285]

Thanks🙏

[@kumaritr3658]

Thanks you Anita Sharma for the video and for valuable information, it's our pleasure

[@guruashwani2976]

Thanks a lot respected ma'am...We r very grateful to u....U r gr8.. j hind j bharat

[@ashishkumarsharma2151]

Thank u mam

[@pawankumarbhambu]

Very nice video

[@sourabhkullu]

Much needed informations shared, very thoughtful of you.👍

[@nandramsharma4050]

Pawan ji ka no.send krna ji

[@Sandeep2319]

i purchased new car , i checked but now insurance company said govt changed guidelines of 50% exemption..now no rebate ..is this ok pls confirm mam

[@drivewithanita]

I will update you on this.

[@manassharma761]

मैम जी, पुरानी कार का इनवैलिड कैरिज कैटेगरी में कैसे रजिस्ट्रेशन कैसे होता है, इस पर वीडियो बनाइयेगा।

[@drivewithanita]

Jee. Jaldi hi

[@rashidsoftech2137]

Madam kolkata me, tvs k showroom me bol raha, handicapped k liye IC catergory aur RTO concession bol kar kuch hai hi nahi. Apko full RTO payment karna hoga

[@mafiyabano5469]

Nice work mem

[@sikandarazad2637]

Very nice mam ji

[@sandeepdave2555]

Madam, Any news about 18% gst exempted for new car ?

[@drivewithanita]

Yes. Soon.

[@sandeepdave2555]

@@drivewithanita thank u so much for reply Have A nice Day

[@a1b2c3634]

@@drivewithanita ma'am do to mean that very soon, gst will be totally exempted for disabled persons?

[@pallabdas3771]

Is this concession available in two wheeler invalid carriage??

[@drivewithanita]

It's for the four-wheeler as of now.

[@pankaj9406]

Adepted vehicle sale kaise kre

[@BidyutIITGuwahati]

Madam, I have seen your all videos on adapted vehicle, yes they are too good. But down the line all such information are readily available via Google search...if possible try to make a video with valuable information like: 1. Can a handicapped person hire a driver for his adapted vehicle? 2. Since he can learn only on his modified car and not prior to that on normal cars, what happens to INSURANCE, if he met an accident while learning with an instructor. He has LL, instructor DL 3. Can he claim insurance on his adapted car, if his friend was driving etc 4. Can he sell his car to normal person by removing the modifications These things are the most essential for handicapped car owners....if possible try to find out.

[@drivewithanita]

Thank you! I am working on it. You will soon get information on such topics and also on many other important topics.

[@jatinkumar-fu2zk]

@@drivewithanita Mam any update on this questions ?

[@jatindrasahoo6339]

Good morning Mam. I am from Odisha. I am a disabled person heaving 80 percent of disabilities.I am interested to। purchase a new car for me and modify it to drive by myself. But in odisha no one guide me propery. What shall I do?

[@jatindrasahoo6339]

@@bikashnayak392 contact no please

[@vinayak2121]

Insurance agent is saying 50% discount applies on renewal premium i.e. from 2nd year. Is it true??

[@drivewithanita]

No. The agent is wrong.

[@AnilSingh-gu7ec]

Can we register used car/second hand car in invalid carriage or adapted vechile

[@drivewithanita]

Yes. It’s a long process though.

[@AnilSingh-gu7ec]

@@drivewithanita mam can you send all process in deatil ?

[@manojkaimal6702]

Halo.. My doubt.. What type of insurance should we take to cover an accident made by a disabled person or a normal person driving an adaptive vehicle

[@drivewithanita]

We can add 5 people in the insurance cover.

[@manojkaimal6702]

@@drivewithanita thanks... If a normal person drives an adaptive vehicle and an accident occurs... Is that also covered?

[@balkaransingh3009]

Jo vehicle ko modified kr te hai please send

[@jessitravels]

Madam, sorry to disturb you. I don't know hindhi. Can you put subtitles for this informative video?

[@drivewithanita]

Hi You can call me to know the details in English for the time being. My number is 6378222307. Any working day between 2-4 PM. I am coming up with a website with written content on that.

[@123shantaram]

Good Evening Mam, I want to buy a new car.50% discount means if the normal person buys a car with Rs.100/- insurance.The disabled person has to pay Rs.50. Is it correct understanding??

[@drivewithanita]

Hi, greetings! The first party insurance premium is 50%. Do check out other videos on my channel to understand the details on insurance.

[@lalitsuthar6888]

My car details Tata tiago NRG AMT, no modification done,

[@drivewithanita]

Congratulations! Call me on 6378222307.

[@pankajsinghrajput922]

Mam maybhi handicap person hu aur mere dono leg me problem h Mayne TATA Nexon xms menual book kari hai kya RTO me invalid carries karane me koi dikkat aayegi Please reply doo...

[@drivewithanita]

Hello Manual ko modify karwaa lijiyega, hand-control. Koi dikkat nahi aani chahiye uske baad.

[@drivewithanita]

Kindly share your queries.

[@renukakobal792]

Dear Anita ma'am. Happy Republic Day Myself Renuka from Kalaburagi, Karnataka. Firstly I thank you from bottom of my heart for providing informations about these topics. My right leg lower limb is polio affected where as my left leg fully perfect. I can manage to run automatic cars without modification also. My question-- Is I am allowed to run the car without modification kit. And is I will get RTO registration without modification. Kindly provide the information. Thank u so much

[@drivewithanita]

@@renukakobal792Happy Republic Day to you too, Mam! I am also thankful to you for your compliment. As per amendments in the Motor Vehicle act, the AMT cars are considered for registration as an Adapted Vehicle. You need not to modify it if you don't require any modifications.

[@Rojgar_withROHIT]

@@drivewithanita ye jo aapne upar likha hai uska notifications hai kya aapke pass please btaye

[@Rojgar_withROHIT]

aur ma'am mujhe koi second hand invalid carriage amt car dila dijiye mai bhi car lena chhahta hu lekin new car ka estimate nhi hai aur purani car ko invalid carriage mai transfer krne ka koi provision nhi hai. please margdarshan kre hame btaye hum kya kre apke video dekhkr ek aasha ki kiran jagti hai please help

[@drivewithanita]

@@Rojgar_withROHIT Sir, filhaal maine cars sell karna shuru nahi karaa.. Toh abhi ke liye mai 2nd hand car mei madad nahi kar paungi.

[@rockx8820]

car इन्सोयरेन्स मे 50% off का प्रवधान है क्या मेरे नजदीक के इंश्योरेंस office मे जब बात किया तो उनको कुछ नही मालूम है इसमे कुछ हैल्प कर सकते है क्या

[@drivewithanita]

Check my www.driveonmyown.org for more details.

[@vivektaneja180]

Just wanted to provide information that Tata Aig is aware of this 50% discount on own damage for invalid carriage/adapted vehicles , so if anyone wish to get insurance contact Tata Aig customer care 🙏

[@drivewithanita]

This is a great information. Thanks. Will add to my repository.

[@AK-oy9sv]

@@drivewithanita GR33 is the code to claim this 50% concession Own Damage Premium.

[@SB-yu3xt]

Tata eig walon ne mna kr diya

[@VARUNKUMAR-gj1bm]

Mama ager muje 8 lack ka car me kitna me ho gyaye ga🙏🙏🙏🙏🙏

[@sureshkumarmeena1184]

मेम जी डीसकमसेन बोक्स कहा है मुझे नहीं मिला

[@drivewithanita]

किनका number चाहिए आपको? पवन जी का या मेरा?

[@drivewithanita]

Pawan Jee ka no. 011-46071272 99106 04325

[@balkaransingh3009]

Hi

[@rinkukunsal3640]

Mam जी मेरा ADPVEH लाइसेंस बना है ।मैं बाइक चलता हूँ।जिसको मोडिफाई किया गया है।क्या ये कार के लिए भी मान्य होगा

[@drivewithanita]

Hi Which state you are in?

[@rinkukunsal3640]

@@drivewithanita haryana

[@kamalkishorpradhan3687]

One hand 40% physical handicap ko kaun sa driving licence banega AMT car lena hai MT car drive kar leta hu

[@drivewithanita]

Kaun se city mei hai aap?

[@shyam218]

Bhubaneswar

[@neetugujjar2148]

Mam मेरे दाएं हाथ की उग्ली कटी हुई h तो मुझे कोन सी गाड़ी लेनी चाहिए

[@jadabchandraray5987]

May I get maruti alto handicapped driving kits?

[@rahulkrishnatj7896]

Hi mam, i had sent the application for availing gst concession certificate with supporting documents via offline 2months before. But till no reply i had received and even i mail many times but no reply. Kindly help me.

[@drivewithanita]

Hi The offline mode is not functional anymore. Request you to apply online.

[@rahulkrishnatj7896]

@@drivewithanita Hi Those who sent the application through speed post have been told not to bother in the gst portal again.

[@drivewithanita]

@@rahulkrishnatj7896 Okay. Then you have the answer already.

[@SantoshKumar-bm6hs]

Please drop down your contact number

[@drivewithanita]

@@SantoshKumar-bm6hs it's 6378222307. Please prefer to call between 2 PM to 4 PM.

[@nishideepthi274]

Thanks for sharing Pawan sir details, today i have spoke to him regarding insurance and m planning to purchase celerio car

[@drivewithanita]

Awesome. All the best. Do share your picture once you get your car.

[@laghushankar9911]

मैम मुझे कार का इनवैलिड कैरिड के अंतर्गत इंसोरेंस करना है, नई कार का कृपया मार्गदर्शन करें

[@drivewithanita]

विडीओ जल्दी आएगा इसपे

[@balkaransingh3009]

Mughe Ravi hi Ka contact no mile ga kya

[@drivewithanita]

8398901100

[@wasimAkram-ck5ei]

Mam aapse baat karni h kya aapka no.miil sakta h mujhe car related aapse baat karni h

[@drivewithanita]

Ek baar ke liye toh mujhe lagaa ki aap shaayad cricketer Wasim Akram hai. Kya query hai aapka

[@sureshkumarmeena1184]

पवन जी नं दिजिए

[@drivewithanita]

011-46071272 99106 04325

[@baljeetkaur-dl6us]

Anita ji mai Ambala Haryana se hu .mujhe aapse kuchh questions shortout please apna phone no dijiye

[@drivewithanita]

Hello, My no. is 6378222307. Please call me between 12-2 during the day.