How Does Car Insurance Save You From Financial Loss and Damages? | PakWheels

[@6729solarwolf]

Third party insurance that is required by law is very cheap and very affordable. The problem comes when insurance companies don't honor claims.

[@vikkhan4576]

Thumbs up for the CEO 👍🏻 impressive personality and the way he is guiding the rules is very good and understandable.. Appreciated 👍🏻

[@amari8172]

Pakwheels has collaborated with TPL insurance service which is probably the worst service in pakistan.

[@osamaikram7677]

9:56 Joke of the Day Suneel Bhai : jo meri tarah used gari lety 😂 😂 😂

[@attaulazeemchandio1074]

#PakWheels #CarInsurance #Suneel I have a confusion: Upon having an insurance, surveyor or dealer estimates the car value or if it's a new car then it's invoice value becomes applicable as well. At least upon new car then usually it's invoice is used to make the car value and declare the insurance charges for a year while the value over invoice includes vehicle tires also (in fact it's spare tire as well) but insurance company doesn't avail claim against tires! میری گاڑی کی ٹی پی ایل سے انشورنس تھی، انشورنس ہوتے وقت ان کے نمائندے کے الفاظ تھے کہ اصل مقصد آپ کی گاڑی سیکیور کرنا ہے کہ ایکسیڈنٹ، چوری کی کی صورت میں آپ کی گاڑی جتنی رقم آپ کو مل جائے اور گاڑی ڈیمیج ہونے کی صورت میں اس کے پارٹس مہیا کروائے جائیں تا کہ گاڑی کی قیمت خراب نہ ہو! ایک مرتبہ دورانِ ڈرائیونگ میں انڈیکیٹر دیکر ٹرن دینے لگا تو پیچھے بائیک والا جو لیفٹ (پیسنجر) سائڈ تھا آکر اس طرح میری گاڑی کیساتھ ٹکرایا کہ میری گاڑی کے پچھلے ٹائر کی ہوا ڈالنے والی نوزل ٹوٹ گئی جس کے نتیجے میں ایکدم ٹائر کی ہوا نکل گئی اور جب تک گاڑی رکتی وزن کی وجہ سے رِم نے ٹائر کو ختم کردیا، رات کا وقت، اندھیرا اور لوکیشن ایسی تھی کہ وہاں ٹھہرا نہیں جا سکتا تھا پر سرویئر کا اعتراض کہ آپ کو وہاں ٹھہر کر کال کر کے رپورٹ کرنا تھا بلکہ سرویئر کا انتظار کرنا تھا کہ وہ جاعِ وقوع پر آتا اور ایکسیڈنٹ کی نوعیت چیک کرتا! پھر یہ کہ ٹائر کا نقصان ہوا ہے اور وہ کلیم میں نہیں آتا، جس پر میں نے اِنکو انشورنس لیٹر دکھایا جس پر گاڑی کی انشورنس رقم گاڑی کی اصل قیمت پر لی گئی تھی، میں نے کہا یہ گاڑی کی اصل قیمت ہے جس پر انشورنس قیمت کی گئی ہے اور گاڑی کی اس قیمت میں گاڑی کے ٹائر بھی شامل ہیں اگر ٹائر کی انشورنس نہیں تو وہ الگ کر کے انشورنس قیمت بنانی تھی نا؟ اس کے بعد سرویئر نے احسان کے طور پر ٹائر کا ٪50 کلیم دینے کا کہا جو میں نے نہیں لیا۔ اس واقعے کے ایک یا دو سال بعد گاڑی کا ایکسیڈنٹ ہوگیا جس میں گاڑی بہت ڈیمیج ہوگئی جس کا اندازہ اس بات سے لگائیں کہ اٹھارہ لاکھ کی گاڑی تھی اور ایکسیڈنٹ کا کام کروانے کے بعد تین لاکھ اَسی ہزار روپے بل آیا تھا۔ گاڑی ٹی پی ایل انشورنس تھی، اس ڈیمیج میں بھی سرویئر بھائی گاڑی کے فینڈر کو، بمپر کو بجائے نیا لینے کے ریپیئر میں لگا رہے تھے جس پر میں نے ان کو کہا کہ گاڑی چونکہ ایکسیڈنٹ ہوچکی ہے اب اگر گاڑی میں یہ چیزیں نئی لگیں تو بھی اصل قیمت میں گاڑی کوئی نہیں لیگا بلکہ بغیر ایکسیڈنٹ کے گاڑی کی جو مارکیٹ ویلیو بننی تھی اب ایکسیڈنٹ کے بعد وہ بھی نہیں بنیگی اور اگر آپ چیزیں ریپیئر میں ڈالیں گے تو انشورنس کرواتے وقت جو آپکے نمائندے کا دعویٰ تھا کہ اصل مقصد آپ کی گاڑی کی اصل قیمت دلانا ہے وہ کہاں گیا؟ نیز یہ کہ گاڑی کی انشورنس پالیسی کرواتے وقت اِسی شوروم والے نے گاڑی کی قیمت لگائی اور اُسی پر آپ نے مجھ سے انشورنس قیمت لی اب وہی شوروم والا ریکمنڈ کر رہا ہے کہ یہ پارٹس نئے آئیں گے تو آپ اعتراض کر رہے ہیں! بحر حال! اس قدر گرما گرمی ہوئی کہ میں نے شوروم والے کو کہا کہ ہر وہ چیز جو نئی لگنی ضروری ہے وہ نئی لگائیں پھر اگر انشورنس کمپنی نے ادائیگی نہیں کی تو میں اپنی جیب سے دوں گا۔ اتنا لمبا میسج لکھنے کا مقصد یہ تھا کہ جو بول کر یہ انشورنس کمپنیاں انشورنس کرتی ہیں بعد میں ان کو پالیسی کے اصول یاد آجاتے ہیں۔

[@mehboobalam6956]

Here comes the role of owner to get full information on papers.which is normally given at time of making insurance.if insurance company denies ,one can move to court. On the other hand at.time of making insurance we as a normal routine asks for discount and insurance person cuts down any condtion and presents you as a discount.

[@yaseenkvlog]

Brother i really appreciate you, aap ne hmari rehnumai k liye apna maamla btaya, me first time krwa raha hun insurance mujhe waqai nahi pta tha k ye companies esa bhi krti hain, Allah aap ko jazae khair den

[@Saveara.]

In Pakistan, no one is secured. Neither your things, your home, your vote or your opinion. I am sorry that you had to learn it hard way.

[@aadiraza5353]

Car Insurance is best honi cheyaa great informative vlog hats of sunil sir

[@sherryraza2316]

Bhut he achee video thee mien khud bhee insurance field mien hoon sur yeh sarry points bhut he important thy especially in Pakistan so well done team pak wheels keep it up

[@muhammadali-dd4kt]

یہ کمپنی اچھی ہے دوسروں سے ذرا مہنگی ہے ۔میں نے چار سال اپنی گاڑی کی انشورنس ان سے کرائی تھی لیکن ایمرجنسی میں یہ لوگ ۔نمبر نہیں اٹھاتے ۔پہلے ایک ملاو پھر دو ملاو پھر چار ملاو

[@itss..artist]

آپ وہی ہیں نہ!!!!!! جسے حضرت محمد صلی اللہ علیہ وآلہ وسلم کے امتی ہونے پر فخر ہے 💐

[@khudabuxtalpur9103]

Yes

[@ranat5526]

Car insurance and annual vehicle road worthy tests are a must for any developed nation!

[@peabsthecocktiel9689]

No they are just intrest and gambling which is no gud

[@fbinfomania5635]

Bhai Sub Thk keh rai hain k Pehle Tarlay kartai hain or jub Claim karni ho to kam late pe late or Itna asan nai hai jis tarha ye sahab bta rai hain. Bahar hal Insurance Honi to Chaie its good for you Specialy Used Cars Insurance

[@shahidnaveed1941]

We have insured commercial vehicle from united insurance In July we have purchased zero meter jack Hyundai . Unfortunately dated 5th November 2024 was held front accident .and from that our vehicle stand at hino show room Multan road Lahore and till date no single work start of vehicle and estimated cost RS 19 Lack as per work on the other side united insurance representative offer us take 5 lakh or 6 lakh and even no officer hear us This is actually Face of insurance companies in Pakistan

[@ateequmar2629]

شریعت اسلامی میں انشورنس کی اجازت نہیں ہے جس شخص کو بھی اس کا خیال آئے اسے چاہیے کہ علماء سے رابطہ کرے اور ان سے رہنمائی حاصل کریں اس بارے میں

[@bawa_g]

Safety First.

[@ahmads5889]

بسم الله الرحمن الرحيم @@bawa_g safety from the hellfire is more important than safety of your temporary money

[@atharkhanpk]

انشورنس حلال یا حرام؟ جانیئے اس وڈیو میں kzbin.info/www/bejne/mWrbpHqKidpoZs0

[@explorebirmingham9414]

تھرڈ پارٹی انشورنس لازمی ہونی چاہئے پاکستان میں جس سے ستر فیصد حادثات اور لڑائی جھگڑے ختم ہو جاتے ہیں کیونکہ جس بندے کا قصور ہو حادثے میں تو اسکی انشورنس اگلے سال بہت زیادہ ہو جاتی ہے جسکی وجہ سے ہر بندہ احتیاط سے گاڑی چلاتا ہے پولیس اور حکومت کو سختی سے اس پہ عمل درآمد کرانا چاہئے

[@ahmii0]

What is considered a sports car for insurance purposes? A sports car has an engine with more horsepower, two seats, and is usually smaller than other cars. It can be expensive to get car insurance for a sports car. So, if you want the best deal, you should shop around and compare rates for sports car insurance.

[@Tahirkhantk81]

Very informative and much needed episode. Especially all the questions are covered. Thank you Suneel Sb.

[@rehanriaz9784]

Basic concepts are cleared. Handling claims critically and with care helps to retain the customer.

[@moingujjar5390]

Suneel manj calls himself "ghareeb" though he has brand new cars Maa Shaa ALLAH

[@palebluedot285]

Car inssurance is a must have

[@mehboobalam6956]

Nice information provided by insurance company representative.axtually we fail in lack of information.All insurance companies also lack in advertising their products through any media. Here in UAE insurance is mandatory for any vehicle which is on the road.and if you meet with accident with out insurance ,you have to face a big music. On the other hand all the insurance companies and all authorizes car dealers are.linked up with one software.every thing is done online. The sad part in Our country is that for two wheeler there is no any insurance.this is my personal experience.

[@ranatanveer3695]

Sooooood kbi maaf ni hoga Allah or Rasool S. A. W. sy JUNG hy

[@shehbazanjum7563]

There need to be asked more info about claim request,it's approval time, repairs option...

[@aamerwaqas193]

INSURANCE is business meant to draw money from the pockets n translate it into PROFITS.... In the absence of government prudent monitoring mechanism this entire system become sort OF LEGAL EXTORTION mechanism.... Rates are exoburently high n then their agents also corrupt to the core.... Such things flourish only through CREDIABILITY n stronger monitoring modules at national level..... Since then RELAX n pray for safe commuting....

[@usmanwamiq6296]

@10:00 Suneel sir: ' meri trah used gaari letay hain or nayi afford nahi karsaktay' Bought 75 lac rupees brand new Hyundai Sonata just few months ago . 😅🤣

[@drusman67]

Very informatibve video, much needed

[@zarrarkhan7985]

Very Informative 👍

[@khawarrajput4979]

Suneel sb b kamal kay banday han

[@jnazir53]

No mention of premium as percentage of value and special discount for senior citizens and ladies drivers

[@abids1253]

2% from Adamjee if you go through me.

[@ghulam.mustafa673]

Zabar dast suneel bhai

[@ahmads5889]

بسم الله الرحمن الرحيم safety from the hellfire is more important than safety of your temporary money

[@attaulazeemchandio1074]

#Suneel, #Sunil, #PakWheels, #CarInsurance ایسا کیوں کہ: 1. گاڑی کی انشورنس رقم لیتے وقت انشورنس کمپنی نئی گاڑی ہونے کی صورت میں شوروم پرائس پر انشورنس ویلیو بناتی ہے لیکن اگر ٹائر کو نقصان ہو تو اس پر کہتے ہیں ٹائر کلیم میں نہیں آتا! 2. آگ لگنی کی صورت میں کوئی کلیم نہیں!!. 3. بلوچستان (ایسی ایریا) جہاں ڈکیتی زیادہ ہو یا معمول ہو وہاں جانے اور نقصان ہونے پر کوئی کلیم نہیں!!!

[@walimansoor1109]

Thanks really needed this video

[@breakingvideos8564]

Insurance is Haram because there is interest in it . I mean sooth . You can ask from any religious scholar .

[@Rollingace]

How's there interest in it? Explain.

[@anwarhamza8249]

Not because of interest but other reasons buts definitely not permissible

[@maastransport4515]

Here in UAE we can't register a car with RTA (roads and transport authority) with a car insurance

[@hammadsphere]

Very good video and infornation. big fan of both ✌

[@ABDULSAMADKHAN2007]

That's an informative video

[@1millionvines510]

Thank you pakwheels for the information ❤

[@akhaqan]

Insurance will indirectly make sure that everyone becomes a safer driver as the premium of safe drivers is less than unsafe & reckless drivers.

[@zerohour2493]

TPL service is good but rates are higher than all other companies

[@osamasharif975]

Informative video

[@abdullahjamil7898]

Suneel Bhai Apne garage ka tour bhi upload karein please

[@8Hills]

Lack of Awareness Lack of education Lack of patience Lack of luck Lack of law Lack of security Lack of justice Lack of sense Lack of comming soon...... Pakistan Runs On LACK

[@jentsch786]

Excellent video

[@Mirza19011986]

No ones care if someone come next time or not but if the claimant has a claim it must be paid, sounds all good but i have good experience with EFU

[@MrShahzaib1993]

There is law in National Highways & Motoways Police which give the authority to Police officer to issue a Challan ticket or bound the vehicle if the vehicle not covered by (No Fault Insurance)

[@malikali007officiall]

Sunil sir r best

[@IqbalAli-sq1cg]

Kon c company achi hai?

[@amanbhatti6551]

Good job

[@TheWaseemriaz89]

Very nice 👍

[@jafrisaccademy8458]

Agr hum insurance k through aik complete piece change krwayn to wo kya uss s gaadi ki depreciation ho g?

[@superalitv9236]

Good work

[@nas8205]

I stopped watching the video after @5:42 when he said “insurance companies exists to pay claims not collect premiums”. Hahaha really?!……Ya toh ye banda bohat hi bhola hain ya phir awam ko bewaqoof samajhta hain. The only reason insurance companies exists is to make money. If he says otherwise, he is dishonest. And the only way insurance comp’ make money is to collect on premiums and deny claims as much as possible.

[@jawad007badar]

Wnglish mein aise bol rahe hain jaise sare driver agrez hain bhai ap asan zuban mein samjhao urdo mein asani se samjh aye

[@ABDULREHMAN-id6ky]

Best video

[@mumtazgul3805]

Nice

[@shahidriaz5821]

Nice sir

[@6729solarwolf]

Police don't ask for insurance information because they are unaware and uneducated of the laws. They go by what they've heard or seen their seniors do.

[@alquran713]

Information 👍

[@abdullahrehan2717]

😘ok hogya jee

[@Entertainment-z7u9o]

Sir Altis 1.6x automatic ka booking kab open hoga plz detail ma batio

[@ertugrulcollections7934]

Please make the review of changan uni t .

[@atherkhan1625]

3rd party insurance ko road insurance b kaha jata he. Yahan karachi me mera ek br bike pr chalaan hua tha road insurance na honay ki waja se...

[@mr-darkknight-_-9715]

The other dude lookd like a kingsman agent

[@Apna-q1k]

Saudi me insurance lazmi hai wrna 2000 riyal jurmana hai. Jo pechy se car Mary ga wohi nuqsaan pay kry ga. Agr 10 cars Ka pehly hadsa howa to SB se akhir Me Jo pechy aa k lga to 10 CArs Ka akhir wala nuqsan pay kry ga. Agr us ki insurance hai to Sahi wrna sb Kuch brbad r jail BHI ho skti hai.

[@bawa_g]

Tu phr saudia chor kar Pakistan aa jao kiu udar meethi jail kaat rahay ho. Rizaq idar bhi mil jaye ga 😏

[@Apna-q1k]

@@bawa_g hamary zuban me bawa Ka mtlb Allah lok hota hai... Dnda 5waan peer hota hai. R Pakistani qoom ko 5waan peer hi su-dhaar skta hai. Baki Ap ko Allah hidayat de. Hijrat BHI sunnat hai , jb aik jga se rozi na mily to hijrat krni chahiyy shayd dosri jga aap Ka naseeb achha ho jay. Pyary Bhai koy Khushi se bahir nhi jata. Hadees me hai k koy is waja SE rozi kmaay k us ki ghr ki izzat mehfooz rhy to wo BHI jihad hai......

[@zakakhan2146]

Hidden polices of insurance companies still make a loss of people

[@adventuresofhammadasif7990]

If my car doesn't get any accident or lost etc, will at the end of the insurance i will get all my deposited money back or not?

[@yaseenkvlog]

Nahi bhai, jua hai ye, sara paisa company k khate me jata hai

[@drdawoodfarid2299]

TPL Tracker Is A Good Service But TPL Insurance Is Worst

[@hammadsaleem1702]

Cultus euro II 2010 model petrol gauge available hai?

[@badmashboltipablic3450]

Bhai mg5 kab aha gee

[@raheela806]

Hmmm ok.

[@shahidashraf2231]

What kind of insurance a user get when lease a car from bank, is total loss included or is it just a basic insurance agreement/Lollipop

[@hammadshahzad1537]

Mana ubl insurance sa total loss gari lee hai abhi five month hogay hain muj kohi file nh mili jb pouch two three day ka time day data hain itna asaani sa nh data owner ko pasa after that file nh milty

[@sikachuhai]

in 1 year, Sunil has gained considerable weight

[@87mmw]

Very informative video, JazakAllah. A few things still not confirmed: 1. How do they ensure that the person making the claim is not a fraud as some people do damage just to get the claim etc. 2. What about incidents involving pedestrians? Does the insurance company provide any support or any package? 3. You said that the insurance companies ask to break the glass . I assume that is for the customer to qualify for the claim? If so then wouldn’t that be unfair ? I suppose if the insurance company says in writing then sure might be ok. Lastly, Gov couldn’t make car insurance mandatory even if it wanted to sinply because you have rikshaws and chingchi types who probably cannot afford insurance. However, on second thought for a rikshaw the benefits outweigh the cost so suppose insurance companies need to come up with such a package.

[@ali_thaeemvlogs3016]

Sunil Bhai kindly Mera aik issue hai use bhi highlight kr de,,, main UBL se Car loan Lia aur after one year I paid all amount and closed my loan account. But jab loan Lia tha us waqt Maine 140000 advanced insurance k lye pay kiye Jo bola GIA tha k wo apko return ho jae ge , but abhi wo return nai kar Rahe ,,jab k main every month bhi pay karta Raha hun

[@fbinfomania5635]

Log Fake Accident kar k clain kar lete hain but Jo Iman dari se Claim Karta hai wo bohat zalil hota hai ALLAH HIfazat Kare

[@muhammadali-dd4kt]

سال میں کتنی بار آپ کلیم دو گے

[@zerohour2493]

TPL insurance sbse mehnge rates hain all over pakistan

[@khawajashaharyar9294]

I think they sponsored pakwheels, pakwheels doesn't have credibility left do your own research regarding insurance companies.

[@zohaibmaqbool4588]

Yeah keep running after em while claiming

[@tangoelgort4000]

Insurance companies ko b Pakistan mein kuch ni pochti authorities. Mere kisi claim ko fully fund ni kia tha ulta pese lelete thai jabh b koi claim hota

[@qureshiofficial3695]

Car keys lost ho jai to kya oski bhi insurance hoti ha?

[@MyLordaizen]

Insurance companies always win Dont trust them and now dont trust pakwheels either as they are partnering with them

[@islam_peace786]

Suneel sahb ager kisi gari ya car k token short ho, tu road per uss ko excise police walay rok kr gari thanay main bund kr saktay hain?

[@parasghafeer4230]

Insurance karwaein or سود خور bn jaein😐

[@Rollingace]

How do you become "sood khor" by having insurance?

[@SubhanAhmad156]

Car insurance karwa kar itna loss nhi hota jitna premium pay karna par jata hai

[@vedios9919]

Police waly personnel questions ni krty...you wrong about nekah Nama....m kfi tha family ky sth ja chuka.. Butt jo nakah Nama questions krta ha..wo Galt ha..🙏

[@nmunirk]

this guy is very nice, but I have TPL for my car, and unfortunately this guys looks disconnected to it's company, it's a mess to get things done from them, their technicians gives you an appointment after a week or worse case 2 weeks after first call, and they don't take responsibility of time in-between unless you give them threat of Citizen Portal - if they serve well why would someone not take insurance, the problem is not that public is not informed, problem is these insurance companies tries to hurt you as much as they can before they serve you

[@muhammadali-dd4kt]

سنیل ٹریکر کی اچھی کمپنی بتاو

[@shaad80]

Koie nuqsan se nahi bachta opar se zalil hojata hai banda

[@hilalqadir2543]

Haram hay 100 percent toba karo meray bhaiyo

[@hmmzh1889]

Haram kasy kindly ap thora explain kr dein

[@ahtashamakbar2557]

@@hmmzh1889 apni pass vali masjid sa puch lo bhi kis mufti sa

[@ahmads5889]

@@hmmzh1889 the reasoning is. 1. You are paying for example 2000 rupees every month and it is isn't guaranteed if you will ever get it back, it is a type of gambling hoping that your 2000 a month will pay off. 2. For example you pay 2000 a month, you have only used the policy for two months (4000 rupees) and you receive the full fledge amount of your claim after two months due to some accident and get 10 lac rupees. This is a clear form of Riba. You gave 4000 rupees and received 10 Lacs, a clear disproportion and Riba

[@ahmads5889]

@@hmmzh1889 this is a very basic explanation, there are many more details. Please refer to Is insurance halal Islamqa to read the opinions of the scholars in detail

[@hmmzh1889]

@@ahmads5889 thanks brother ❤️

[@yasirahmed9170]

unfortunately we are in Islamic state and any type of insurance is haram in Islam and our responisble Muslim citizens dont carying about this thing.very fortunate

[@Zeeshan-KM]

Haram h sood. Allah ki trf sy hota h sb kuch ye azmaish hoti h

[@MuhammadUsman-td7dw]

To jo nuqsan aakhrat me ho ga wo......haram chezon ka logon ko mashwara na dooo

[@aayansaqib6444]

Bhai insurance halal bhi ha k nhi ? Aap itnay confidence se is pa baat kr rahay hain. Mera khayal ha k ye haram ha

[@hassanbhachar9161]

Ya hram hai

[@syedqumber445]

Saman may chori kartay hain ye. Jesay k 100 rupay k parts ki value 200 rupay lagatay hain 50% deperisiation customer ko charge kartay haiin

[@rougeangle1]

سر یہ جو پھدو سا جوکر رکھا ہے نا اس کی بجائے کوئی باقاعدہ سٹینڈاپ فنکار کائیں ۔۔۔عجیب چھسیں مارتا ہے

[@asmaamin1388]

Plzz Noah ka reviews karo

[@PakWheels]

Great, that you are interested in our video reviews Stay tuned for upcoming videos.

[@50thingss]

bahir ka mulkon main insurance wale. tension free rakhty hain coustmer ko. Pakistan main to insurance wale baat tak ni sunty.

[@mohsinrazashah8172]

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