Car Insurance in Patna

Patna is the capital and the largest city in Bihar. It is India’s 18th largest urban agglomeration. The people of this city primarily use cars for commuting, and mishaps are quite common on the road. If you are a car owner in Patna, having a car insurance policy can be quite beneficial in various ways.

Moreover, having at least a third-party car insurance plan is mandatory for all vehicle owners according to the Motor Vehicles Act of 1988. If you are looking for a car insurance policy, consider Digit. Digit has thousands of network garages all over India where you can get cashless repairs for your vehicle.

Read on to know more.

Following are the car insurance add-ons available in Patna:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

One of the most chaotic and dense capital in India, Patna’s strategic demographics makes it a buzzing city in the state of Bihar. With the serene Ganges caressing its banks Patna has a few monuments like the Bihar Museum, Buddha Smriti Park and Golghar, to its name. 

Being a transportation hub, Patna’s roads see a lot of congestion. It acts as a base city for travellers heading towards the northern part of Bihar. Hence, in a city that is already dense, added traffic on the road make it even denser.

Challenges Faced by Car Owners in Patna

• Irresponsible Drivers: The roads in Patna has major traffic due to drivers not obeying rules. Local residents of the place are known to be blatantly disobeying the rules and are also rude, adding more fuel to the fire. More often than not you will be dealing with aggressive co-passengers and it will be hard to get away from arguments unscathed.
  
• Underaged Bikers: The accidents spotted in Patna are repeatedly reported against the underaged bikers. These bikers drive irresponsibly and at high speed. Speed has been a major concern on Patna roads. Speedy bikers usually end up creating road conflicts in Patna. You either damage yourself or get accused of damaging them.
  
• Heavy Rains: Patna receives heavy rainfall every year, thus increasing the number of road collapses. “Nearly 110 dead in 4 days due to heavy rains across the country; Patna struggles to stay afloat”, reports IndiaTimes, Sept. 2019. Heavy rains will lead to slippery roads and lower visibility. Chances of slipping on these roads, especially if you are speeding, are high.
• Poor Bridge Construction: Patna often tops the charts for the increased rates of bus accidents. Many passengers have lost their lives in the bus accidents. With poorly maintained roads and bridges, accidents have been increasing in Patna in the past few years.
  

With such dense roads, the probabilities of mishaps are quite high. Digit car insurance online assures your safety against the damage caused to your car accidentally. Apart from giving all-round protection to your car through the insurance plans, Digit’s advantages are manifold. Their procedures are online making it easy for you to choose a plan and settle claims hassle-free.

While raising a claim you can simply click the photos of your damages and upload it with your smartphone. They have a huge network of garages to offer its customers cashless repairs. The 24*7 customer service and easy to understand documents thereby eliminating middlemen further makes Digit an appealing choice for the customers.

• Choice of Car Insurance by Digit: You can claim the safety of your car with three types of insurance plans offered by Digit Insurance:
  • Comprehensive Car Insurance: It offers holistic cover to third-party liabilities and accidental damages to your own car as well. It also covers any damage caused by natural calamities, theft, and fire.
  • Third-Party Car Insurance: It insures damages & losses caused to a third-party person, vehicle or property. 
  • Own Damage: This policy covers loss and damage to your own car, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party car insurance policy.
• Legally Abiding Motorist: The traffic rules in India, has made it mandatory to have third-party car insurance with you while driving. A private car driver remains safe and uncharged if he has the third-party car insurance acclaimed with him already. With strict checkings being implemented in Patna, if you are caught without insurance, you will be levied a fine of Rs.2000/- which can go on up to Rs.4000/- for repeating offences and can even land you in jail for 3 months. Having at least a Digit’s third party insurance will protect you against this.

• Brace yourself against worst-case scenarios: In Patna, when irresponsible drivers land you in any mishaps or accidents, damages caused to your own car will be covered by the insurer if you have a Comprehensive Car Insurance. For a city that is seeing a rise in the number of accidents, having a Personal Accident Cover add-on with both the policies will be of monetary advantage to you.

• Customizable Car Insurance Add-ons for Patna: Meeting with an accident due to rough roads that are filled with potholes is natural. The Engine and Gearbox Protection cover and the Tyre Protect cover will help you save money on those accidents. Throw in the Return to Invoice cover to further insure your car against theft.