Third Party Insurance गाड़ी की इन्शुरन्स करवाने वाले को सिधे तरिके से बीमा कवर नहीं देता है

photos from Unspolash

लेकिन ये दूसरे तरीके से Insurance करवाने वाले के लिए सहायक होती है

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थर्ड पार्टी इंश्योरेंस में बीमा कंपनी तीसरी पार्टी को ही क्लेम देती है

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यहां फर्स्ट पार्टी वाहन की इंश्योरेंस करवाने वाला और थर्ड पार्टी वाहन की चपेट में आने वाला होता है

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Third Party Insurance बीमाधारक को सभी वाहन दुर्घटना में होने वाले आर्थिक नुकसान से बचाती है

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इस के अंतर्गत केवल दुर्घटना से हुए आर्थिक नुकसान की भरपाई ही बीमा कंपनी द्वारा की जाती है

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इस इंश्योरेंस में बीमा कंपनी मुख्य रूप से जिन नुकसानों की भरपाई करती है वो है

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दूसरे की गाड़ी को एक्सीडेंट से हुआ नुकसान, उस आदमी को लगी चोटें या मृत्यु का मुवाजा

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इसके अलावा एक्सीडेंट से संबधित कानूनी या अदालती करवाई का खर्च

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इन के अलावा जिन को ये इन्शुरन्स कवर नहीं करती वो है

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वो है आपके अपने वाहन को एक्सीडेंट में हुआ नुकसान आपको लगी चोटें

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वर्ष 2018 से थर्ड पार्टी बीमा कराना अनिवार्य

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यदि आप अपने वाहन का बीमा नहीं कराते हैं तो आपको 2000 का जुर्माना और 3 महीने की जेल होगी

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