Is third party car insurance solution to road rage?

Cases of road rage have grown at a shocking rate. It is alarming to note that Chennai and Delhi bagged third and fourth rank respectively. The key reason is undeniably aggression and violence, commonly seen when two parties fight on the road. So if destructive driving results in a mishap, and the drivers involved, get on into aggressive words or gestures, road rage immediately comes into play and must be reported to your insurance company.

Road rage incidents are programmed as a discharge in many auto insurance exclusions liability policies for damage purposely caused by the insured. Accidents can sometimes cause personal injury or damage of the property. The difficult driver's insurance may not cover your injuries and damages.

What is third party liability Insurance?

Every motor vehicle – be it a 2 wheeler or four wheeler– plying on the roads must be insured or have valid third-party liability coverage. A motor insurance policy guarantees that you would not have to put up with any sort of costs or legal accountability arising from an accident, damage or loss to your vehicle as well as to a third party.

Car Insurance Policy Cover Road Rage

Irresponsible driving leading to individual assaults and crash may come under road rage that should never be encouraged. These include belligerent driving, failing to yield right of way, tailgating, cutting off someone severely, speeding, etc. In severe cases, there could be a loss of life or brutal injuries and prolonged lawsuits. As you go for car insurance the obvious thought that comes in your mind is if the insurance purchased cover road rage?

Concerned if your Car Insurance Policy Cover Road Rage?

If you have additional coverage options for your car insurance you may ask for damages due to road range. If you have a crash or comprehensive damage, depending on the situation you may claim for coverage. There are insurance companies that rule out road range coverage in the insurance agreement and refuse claims. They consider reckless driving is a risky and immoral behaviour. It is usually the insurance company’s diplomacy to decide whether to cover road range or not. Well, they must however, clearly mention this ruling out in the contract.

Another important area that needs to be discussed is how do you deal with road rage?

If you are a victim of road rage or someone driving violently you may keep away from any response. Even if the other guy starts using offensive language at you, don’t pay attention at him as that could take away your attention from driving. Avoid opening your window for an eye contact. Well, it is at times not an easy task, especially when you have a stressful day. This can make the aggressive driver get angrier at you.

Third party car insurance solution to road rage

As you go ahead to buy a third party car insurance solution, it is advised that you should consider if the insurance you are paying for offers solution to road rage. You may conduct an online survey from the comfort of your home to find the best insurance for your car. Speak to the insurance company and convey your concern about the road rage before initializing your deal. If your vehicle is a brand new one it is recommended to purchase a package policy to shun the costs arising from fixing damages caused because of accident or if the vehicle is stolen. In contrast, in case your vehicle is somewhat old and you no longer want to shell out much of your hard-earned money on it, then you can choose a third party insurance.

It is important to keep in mind that most car insurance companies do not normally use label “road rage cover”, there are some policies that cover for these types of things that form part of a road rage experience and the consequences. Most comprehensive car insurance policies will include it as “malicious damage” so basically anyone who is “fully comp” should have cover for this facet of road rage. It is essential to note that not all policies contain cover for emotional or physical harm.

Unfortunately, we live in an age where "road rage" is a familiar term. Lack of time and too much rush has led to an increase in these incidents. If you are a car owner, you are advised to be exceedingly careful about what is covered by insurance in a road rage situation. Happy driving!