Anyone who owns a vehicle or simply is driving a motor vehicle can benefit from Motor Vehicle Insurance. If you own a vehicle you might also benefit from personal accident (PA) insurance which protects you in the unfortunate event of accidents, including vehicle accidents.
Coverage when the person** who is driving the car is under the influence of alcohol, drugs, or any other intoxicating substance. When the vehicle is driven by any person without a valid driving license. Mechanical or electrical breakdown. Any damage to the car due to war, terror attacks, invasion, foreign enemy action, civil war, mutiny, rebellion, hostilities, radiation, or nuclear material/weapons are not covered under a standard motor policy. Consequential losses, or, damages that result from certain actions of the policyholder or a third party (whether intentional or by accident) and not by an outcome of an uncertain event. **The insured person, or any other person who is driving the vehicle with the knowledge and consent of the insured person.