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Types of Car Insurance

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Introduction

You have bought your dream car and the next thing you hunt for is a car insurance policy. You cant even think about driving on the busy Indian roads without an insurance policy. Also, motor insurance is mandatory by law in India. This implies that insurance is a must for you to drive on the roads.

There may always be unforeseen situations, such as accidents, theft, acts of terrorism and natural calamities that come uninvited. You will then have to pay for your medical expenses and of another person who was injured because of you. You may also have to pay for getting your car back in shape or buy a new car, and for damages caused to the car of your victim. So, an insurance cover is what you need to save yourself from such risks and the subsequent financial liabilities, which are normally very high and difficult for most people to pay from their own pocket.

What You Must Do

The car insurance premium will depend mainly on the make and price of the car, how new or old it is, the area where the car is registered, the age and driving experience of the owner and so on. In India, there are a number of insurers operating in the area of general insurance and a majority of them provide car insurance too.

You can compare the policy rates and coverages provided by various insurers before deciding on any one. You can go online and do this from the facility of your home. Insurance policy aggregator sites let you purchase online car insurance easily as they provide you details of various companies at one go. You also save on premiums as there is no commission to be paid to agents.

Types of Car Insurance

In India, there are mainly three types of car insurance plans available that can help you in dire situations. These plans will indemnify you in case of any road mishap, treatment of the third parties involved, getting your car repaired as well as that of the third party; anyone except you and the insurance company is a third party. These plans are:

Third party only plan

This kind of plan provides insurance cover for liabilities faced by you in case your car hits another person and causes:

oInjury to the person

oDeath of the person

oDamage to the vehicle of the person

oPersonal accident cover for you if you were driving

Third party and theft plan

This kind of plan provides insurance cover for:

oThird party liabilities

oCases of theft

Comprehensive insurance plan

This kind of plan provides insurance cover against many eventualities including third party liabilities. They are:

oThird party liabilities to people and car

oDamage to your car owing to fire, theft, natural disasters etc.

oDamage to accessories owing to fire, theft, natural disasters etc.

oTowing expenses after a disaster

oLoss of your car owing to fire, theft etc.

Minimum insurance cover that you, the car owner, needs to purchase is third party insurance. Without this, you will not be allowed to take the car out on the roads. You must have an insurance cover so that you can at least pay for the damage you may cause to other people or their car. Also, you must know that insurance companies have no liability towards you in case of hit and run.

Easypolicy, Helps you to get best

car insurance

on low rates along with better feature from different leading companies in India. You can compare and avail better car insurance policy at Easypolicy.

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Submitted by: Gwendolyn Cuizon

Dance injuries sometimes occur while rehearsing or doing in a salsa class. But if you take proper precautions and prevention measures, the risks are minimized greatly. For dancers, it is best that they refrain from having injuries during the off-dance season. Or, they will find themselves sidelined in dance competitions.

Recovery might take a long time. It could drag on to weeks or even months. That is why, professional dancers should avoid getting injured as much as possible. In order to avoid injuries there are five important strategies to keep in mind. These include:

Knowledge of Body

Dancing requires constant use of body. Every muscle, every joint should be physically able to execute the dance well. Therefore, taking care of your body is a very important requirement for a dancer.

Having warm-ups before salsa classes begin and cool-down sessions after are essential part of the dance. Students need to warm-up before every class or performance. If the class cannot do a warm-up together like before a performance then students should do warm-up on their own.

Warm-up and cool down exercises will help you prevent injuries and sprains. Dancers have to do a lot of stretching in order to perform really well. You should consider your bodys weaknesses and limitations too. Do not overextend yourself. An injury can easily sideline you. If dancing is your profession, this could mean lost income for you and your family.

If you feel sore or stiff, you should have this examined right away. It is best to listen to what your body is telling you. If you do not feel good then do not over use the part that feels sore. You can opt to “mark it” or not perform some steps in a dance exercise.

Getting Involved in Other Athletic Endeavors

Aerobic activities outside salsa dancing will complement your dancing skills and help prevent injuries. These cross-training activities can enhance upper body strength, flexibility, mobility and tone the body.

An ordinary dance class usually does not make use of all joints or muscles. Routine dance exercises keep using similar muscles or joints which can cause stress on certain body parts. To prevent undue stress especially on previously injured areas, cross-training is necessary. This will enable you to utilize unused part of your bodies.

Eating Smart

Smart eating means having a well-balanced diet. Eating nutritious foods will keep your body healthy. Dancers are constantly under intense pressure to perform. Stress can add up and make them weak physically.

To avoid this situation, eating healthy before and after dance routines will help. Refrain from eating junk foods. You will be burning a lot of calories while dancing so eat food that supply you enough calories for the activity. Eat healthy snacks like vegetables or fruits after a performance not sweets or ice cream. Sweets may provide you energy but they drop your energy levels suddenly too.

Do not get overweight. This will make movement limited. Do not eat calorie-rich foods after exercises especially at nighttime to prevent gaining weight.

Controlling Weight

Do not focus too much on maintaining a certain weight. This will not be good for you mentally and emotionally. Focusing on the weight rather than maintaining good health may prove to be counterproductive. If you are gaining pounds, lose the weight by proper exercises and diet. Crash dieting may lead to problems such as body illness later.

Stress Management

Stress is one of the threats to a healthy body. This can cause illness or injury if not contained. Do some relaxation techniques once you notice yourself getting stressed. Fatigue, inability to focus, pressure and muscle tension while in a salsa class need to be alleviated safely through natural means such as massage, exercise, meditation and other safe methods.

About the Author: Gwendolyn Cuizon is a prolific writer who loves to dance salsa and learn the techniques of the art. If you want to learn more about dance class then please visit the website:

DanceSF.com

Source:

isnare.com

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