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Hello Aadil. Thank you for contacting us. There are two basic types of insurance policies from which to choose:
1. Third-party insurance: Covers only the damages to the other party's life and property caused by the accident with your car.
2. Comprehensive insurance: In addition to third-party coverage, comprehensive insurance covers theft or damage to your own vehicle.
While third-party insurance is required by the Motor Vehicles Act, it is recommended that you purchase comprehensive coverage to protect yourself against financial losses in the event of a vehicle mishap. If you do not already have a separate personal accident insurance policy, you must purchase a personal accident cover of at least 15 lac as a legally required cover.
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