Third-party insurance for vehicles:
According to Indian law, third-party insurance is mandatory for every vehicle, no one can run his vehicle without third-party insurance. In the Indian motor vehicle act if someone is driving without insurance may be fined for that. It covers the insured's legal liability for death/disability of third-party loss or damage to the third-party property.
Who is covered under this policy:
Protection against the claims of others (third party) who were affected Or injured because of the insured(first Party). It means if some accident happened by any vehicle then the vehicle insured company has to pay for that. Company has to pay for-
1. Bodily injury
2. Hospital care cost
3. lost Wages
4. pain and suffering due to accident.
etc...
This policy also covers property damage of the third party.
And claims may be decided by the court for any dispute.
What is a "PA" Cover?
Pa Cover provides coverage to vehicle owner-drivers up to 15 Lac of Personal Accident Cover. It is an optional cover customers can opt-in for this in both first-party and third-party policies.
How to claim?
By Registering a case with the Motor Accident claims Tribunal Court with the help of a lawyer. Prove in court that the third party was guilty by furnishing required documents and details. Receive applicable compensation from the damage-causing person's insurance company.
Why it is mandatory?
As per my understanding, everyone can buy a vehicle but everyone can't able to pay other Liablity after an accident. That's why TP insurance is very important.
Price of act only insurance (TP INSURANCE)
It depends on the CC of the vehicle and the type of vehicle, whether it is a two-wheeler, private car, or commercial vehicle...
And also change time to time .
Where to Buy?
There is many General insurance companies in india, you may buy directly from their website. Or by contacting any agent in nearby area, but be aware of fraud always buy insurance from a trusted agent working in nearby area . And i suggest buying insurance from agent is best because agent know details about products and he/she will suggest you best product according to your requirements and also help you in claim process.
Want to buy insurance contact us on - 8340383527(whatsapp) .
or Scan the QR 
* These are the basic detail for knowledge only it can't be used for any claims. Not usable in any legal works.
* For more technical details about insurance you may visit official websites of insurance companies and IRDA website.
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