Bike insurance ko lekar logon ke beech kai tarah ki galatfehmiyan (misunderstandings) hain, khaskar humare Bihar aur Purnea jaise ilakon mein. Inhi galatfehmiyon ki wajah se log ya toh insurance nahi lete, ya galat policy chun lete hain. Aaiye in myths ko door karte hain.
Top Bike Insurance Myths and Facts
1. Myth: Purani bike ke liye insurance ki zaroorat nahi hoti.
Fact: Chahe aapki bike 1 saal purani ho ya 10 saal, Motor Vehicles Act ke tehat road par chalne wali har gaadi ka kam se kam Third-Party insurance hona kanoonan (legally) zaroori hai. Bina iske aapko bhaari fine (E-challan) bharna pad sakta hai.
2. Myth: Agar maine bike chalate waqt traffic rule toda, toh claim nahi milega.
Fact: Yeh poori tarah sach nahi hai. Agar accident ke waqt aapke paas valid driving license hai aur aapne sharab (alcohol) nahi pi rakhi hai, toh aapko claim milta hai. Halanki, traffic rule todne ka fine aapko alag se dena padega.
3. Myth: Claim lene par pura paisa milta hai.
Fact: Agar aapke paas normal comprehensive policy hai, toh plastic aur rubber parts par depreciation (ghisaavat) lagta hai aur pura paisa nahi milta. Pura claim paane ke liye aapko 'Zero-Depreciation' (Bumper-to-Bumper) add-on lena zaroori hai.
"Sahi jankari hi aapko nuksan se bacha sakti hai. Adhuri jankari humesha mehengi padti hai."
4. Myth: Insurance transfer karna bahut mushkil hai.
Fact: Agar aap apni purani bike bech rahe hain, toh insurance naye malik (owner) ke naam par aasaani se transfer ho jata hai. Iske liye sirf RTO ke kuch papers aur ek application ki zaroorat hoti hai.
5. Myth: Online sasta milta hai, agent log mehenga dete hain.
Fact: Premium sabhi jagah lagbhag same hota hai. Ek Personal Digital Expert aapko galat add-ons se bachata hai aur claim ke waqt aapke liy ladta hai. Online lene par claim settlement ke waqt aap akele pad jate hain.
Sahi insurance chunein aur apne darr ko peeche chhod dein. Apne Personal Expert se milkar apni zarooraton (requirements) ko samjhein aur ek surakshit safar ka anand lein.
Lucky Jaiswal
Founder & Insurance Expert at Jaiswal Insurance Samadhan. Humara maksad hai Bihar ke logo ko insurance ke mushkil niyam asaan bhasha mein samjhana aur claims mein unki poori madad karna. "Suraksha Aapki, Zimmedari Hamari".
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