Aaj Bharat me chahe chhoti si bike ho ya mehngi car, motor insurance ke baghair gaadi chalana kanoonan jurm mana jata hai. Aksar log ye sawal uthate hain ke jab pehle motor insurance zaroori nahi tha, to ab ise mandatory kyun kar diya gaya. Saath hi yeh baat bhi kahi jati hai ke jab health insurance aaj bhi optional hai, to phir motor insurance ko laazmi kyun bana diya gaya. Is sawal ka jawab sirf kanoon ki kitaabon me nahi, balki samaj ki buniyadi soch, zimmedari aur insaaf ke usoolon me chhupa hua hai.
Yeh baat bilkul durust hai ke health insurance lena ya na lena ek shakhs ka zaati aur niji faisla ho sakta hai, kyunki agar koi apna health insurance nahi karata, to uska nuksaan zyada tar usi shakhs ko uthana padta hai. Ilaaj karwana, policy lena ya risk lena, yeh sab uski apni zindagi se jude hue faisle hote hain. Lekin motor insurance ka mamla is se bilkul mukhtalif hai. Jab koi shakhs gaadi chalata hai, to wo sirf apni zindagi ka faisla nahi kar raha hota, balki sadak par maujood har doosre insaan ki zindagi par bhi asar daal raha hota hai.
Agar gaadi chalate waqt uske haathon kisi be-gunah aadmi ko chot lag jaye, kisi ki jaan chali jaye, ya kisi teesre shakhs ki property ko nuksaan pahunch jaye, to sirf yeh keh dena ke maine insurance nahi karaya ya mere paas muawza dene ke paise nahi hain, bilkul na-insaafi hogi. Aise haalaat me asal sawal yeh hota hai ke peedit ki bharpaai kaun karega. Peedit shakhs apni takleef aur apne nuksaan ke liye gaadi chalane wale ki marzi ya haisiyat par depend nahi kar sakta. Isi buniyadi haq ko mehfooz rakhne ke liye sarkar ne yeh tay kiya ke motor insurance kisi ek shakhs ka niji faisla nahi ho sakta.
Motor insurance, khaaskar third party insurance, is liye laazmi banaya gaya taaki agar kisi driver ki ghalti se doosre ko nuksaan pahunchta hai, to us nuksaan ki bharpaai zaroori taur par ho sake. Yeh ek aisa qanooni aur samaji intazam hai jo peedit ko tahaffuz deta hai aur society me zimmedari ka ehsaas paida karta hai. Isi wajah se health insurance ko jahan ek zaati zaroorat ke taur par dekha jata hai, wahi motor insurance ko ek samaji zimmedari aur insaaf ka zariya mana gaya hai.
Motor Insurance Asal Me Kya Hai
Motor insurance ka matlab sirf apni gaadi ko bachana nahi hota. Bharat me jo insurance kanoonan zaroori hai, use third party motor insurance kaha jata hai. Is insurance ka maqsad gaadi chalane wale se zyada us teesre shakhs ko suraksha dena hota hai, jo kisi accident ka shikar ho jata hai.
- Kisi teesre shakhs ko chot lagne par muawza
- Kisi be-gunah aadmi ki maut par uske parivaar ko madad
- Kisi aur ki property ko hue nuksaan ki bharpaai
Yeh insurance driver ke liye kam aur samaj ke liye zyada zaroori mana jata hai.
Pehlay Ye Zaroori Kyun Nahi Tha
Pehlay Bharat me gaadiyon ki tadaad kam thi, sadkon par rush bhi zyada nahi hota tha aur accidents ke cases bhi simit the. Lekin jaise jaise waqt guzarta gaya, har ghar me bike ya car aa gayi. Sadak haadson me tezi se izafa hua aur sabse zyada nuksaan gareeb aur madhyam varg ko uthana pada.
Kai aise maamle samne aaye jahan accident me kamane wale shakhs ki maut ho gayi aur uska parivaar bina kisi madad ke reh gaya. In haalaat ne sarkar ko majboor kiya ke wo motor insurance ko ek laazmi qanooni zimmedari banaye.
Health Insurance Optional Aur Motor Insurance Mandatory Kyun
Health insurance lena ya na lena ek shakhs ka niji faisla ho sakta hai, kyunki usse hone wala nuksaan zyada tar usi tak mehdood rehta hai. Lekin motor insurance ka asar sirf ek shakhs tak simit nahi hota. Gaadi chalana ek public activity hai aur isme ghalti ka nuksaan teesre shakhs ko hota hai.
Isi liye sarkar ne yeh tay kiya ke muawza milna peedit ka haq hai, aur yeh haq kisi driver ki haisiyat ya niyat par chhoda nahi ja sakta.
Third Party Motor Insurance Kya Hai
Third Party Motor Insurance wo insurance hai jo kanoon ke mutabiq laazmi hai. Bharat me gaadi chalane ke liye minimum isi insurance ka hona zaroori mana gaya hai. Iska seedha matlab yeh hai ke agar aapki gaadi se kisi teesre shakhs ko nuksaan pahunchta hai, to us nuksaan ki bharpaai insurance company karti hai.
Is insurance me cover hota hai
- Kisi teesre shakhs ko sharirik chot lagne par muawza
- Kisi be-gunah insaan ki maut par uske parivaar ko compensation
- Kisi teesre shakhs ki property ko hue nuksaan ki bharpaai
Lekin isme ek baat samajhna zaroori hai ke aapki apni gaadi ka nuksaan isme cover nahi hota. Agar accident me aapki bike ya car toot jati hai, to uska kharcha aapko khud uthana padta hai.
Third party insurance ka buniyadi maqsad yeh hai ke sadak par chalne wala koi bhi be-gunah insaan bina muawza ke na reh jaye. Isi liye sarkar ne ise ek samaji aur qanooni zimmedari ke taur par laazmi banaya hai.
Comprehensive Motor Insurance Kya Hai
Comprehensive Motor Insurance ko aam zubaan me complete protection kaha ja sakta hai. Yeh insurance sirf teesre shakhs ke nuksaan tak mehdood nahi hota, balki aapki apni gaadi aur aap khud dono ko cover karta hai.
Is insurance me aam taur par cover hota hai
- Third party liability ka poora cover
- Accident me aapki apni gaadi ka nuksaan
- Chori hone par gaadi ki keemat ka muawza
- Aag, baadh, toofan, bhookamp jaise natural disasters
- Danga, aagjani ya kisi shararti harkat se hua nuksaan
Iske alawa aap chahein to extra premium dekar
- Zero depreciation cover
- Engine protection
- Roadside assistance
jaise add-ons bhi shamil kara sakte hain. ye addon kya hain iske baare me hum alag se samjhenge.
h3>Dono Insurance Me Buniyadi FarqThird Party Insurance sirf teesre shakhs ke nuksaan tak simit hota hai aur kanoonan zaroori hai. Iska premium kam hota hai, lekin isme apni gaadi ki suraksha nahi hoti.
Comprehensive Insurance teesre shakhs ke saath saath aapki apni gaadi ko bhi cover karta hai. Iska premium thoda zyada hota hai, lekin risk aur tension dono kaafi had tak kam ho jate hain.
Aasaan alfaaz me kaha jaye to
- Third Party Insurance qanooni majboori hai
- Comprehensive Insurance samajhdari bhara faisla hai
Kaun Sa Insurance Kis Ke Liye Behtar Hai
Agar aap
- Sirf kanoon ka paalan karna chahte hain
- Gaadi purani hai aur keemat kam hai
- Rozana gaadi ka istemal kam karte hain
to third party insurance kaafi ho sakta hai.
Lekin agar aap
- Nayi ya mehngi gaadi chalate hain
- Rozana traffic aur rush me safar karte hain
- Apni gaadi ko har tarah ke risk se bachana chahte hain
to comprehensive motor insurance zyada behtar aur mehfooz option hota hai.
isi ko ab hum log Premium ke term me samjhten hain…
OD Premium Kya Hota Hai
OD Premium ka matlab hota hai Own Damage Premium. Yeh wo hissa hota hai jo sirf aapki apni gaadi ko hone wale nuksaan ke liye liya jata hai. Is premium ka Third Party liability se koi taalluq nahi hota.
Aasaan alfaaz me samjhein to
- Third Party premium doosron ke nuksaan ke liye hota hai
- OD Premium aapki apni gaadi ke nuksaan ke liye hota hai
Jab yeh dono premium mila diye jate hain, to policy Comprehensive Motor Insurance ban jati hai. Jab bhi aap Comprehensive Motor Insurance lete hain, to usme do cheezen shamil hoti hain.
- Third Party Liability Premium
- Own Damage Premium
Yahi wajah hai ke comprehensive policy ka premium thoda zyada hota hai.
Third Party insurance ka maqsad sirf teesre shakhs ke haq ko mehfooz rakhna hota hai. Isme insurance company aapki gaadi ke nuksaan ki zimmedari nahi leti. Isi liye Third Party policy me OD premium shamil nahi hota.
OD Premium sirf tab lagta hai jab aap chahte hain ke insurance company aapki apni gaadi ke nuksaan ka risk bhi uthaye. Yeh option sirf Comprehensive policy ke zariye hi milta hai.
Nateeja
Third party aur comprehensive insurance me se koi ek sirf paison ka sawal nahi, balki zimmedari aur soch ka sawal hai. Kanoon third party insurance ko is liye laazmi banata hai taaki teesre shakhs ka haq mehfooz rahe, jabki comprehensive insurance driver ko khud apni hifazat ka mauqa deta hai.