GENERAL INSURANCE BLOG

Do you know that most vehicle accidents occur at night? As per research, it is found to be true that a large percentage of accidents occur after dark because of the reduced visibility on the roads. One of the primary factors contributing to this problem is that some people think light reflectors are unnecessary in the late evening and early morning.

While others do not show interest in installing reflectors, which can lead them into big trouble, in some countries, using reflectors in vehicles is also mandatory to receive complete motor insurance. Most countries have different rules stating the importance of installing reflective devices and rear marking tape to fulfill automotive standards.

What is a reflector for motor vehicles?
Reflective devices, although often confused with LED marker lights, operate differently. Rather than emitting light, reflectors shine the light back onto its source. Reflectors come in various colours and shapes, each designated for a specific location on a vehicle. Certain vehicles, like trailers, require specific reflector placement. Reflectors can be mounted by screwing or using a 3M adhesive strip. Retroreflectors are the types of reflectors that can be observed in traffic. These reflectors reflect light in the same direction from which it comes.

They are utilised to guarantee clear visibility in traffic. Safety reflectors aid in making vehicles visible while driving or parked on the street by reflecting light from the headlights of other vehicles. Reflectors prove to be extremely beneficial in areas without streetlights. They are installed near the vehicles' front and back (and on the sides), adjacent to the headlights and brake lights.

Is it necessary to install reflectors to receive motor insurance?
You do not have to install vehicle reflectors to receive motor insurance (for most cases). They are used to enhance visibility on the road to prevent accidents. However, it might be necessary for some countries or certain insurance companies. You might also get some extra discounts or incentives for doing so from some companies. Your insurance company might ask you to fit your vehicle's reflectors and other related components to increase safety.

Why is it important for motor vehicles to use reflectors?
The primary reason for installing reflectors in motor vehicles is to increase road safety, especially when parked on the roadside in the dark. You can prevent roadside accidents during nighttime and rough weather conditions by installing reflectors or glowing tape on the vehicles.

Reflectors possess several essential benefits that enhance road safety, including some benefits in motor insurance (as mentioned above). Initially, they boost the vehicle's visibility, making it visible to other drivers in low-light conditions. Furthermore, reflectors can prevent mishaps involving vehicles in such circumstances. By enhancing the vehicle's visibility, drivers can recognise its presence, providing adequate time to react and take necessary preventive measures.

Reflectors are a cost-effective way to increase the visibility of a vehicle. Unlike other pricey safety measures, such as blinking lights, reflectors are relatively inexpensive and easily accessible in many areas. They require a simple installation process, which can be achieved using premade affordable kits.

It is recommended to use reflectors as they can reduce road accidents to a great extent to ensure a safe driving experience. Equipping your motor vehicle with reflectors ensures it is visible during the dark. Thus, you can guarantee that your vehicle will stay safe, especially when parked on roadsides at night. In addition, they can also help you receive extra benefits with motor insurance.

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Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Floods are one example of a disastrous natural calamity that can severely harm people's homes, businesses, and vehicles. A flood can damage your car's body, electrical system, or engine. Debris, rocks, and other things may be present in floodwater that might scratch, dent, or even smash the windows of your car.

As a car owner, taking precautions to safeguard your vehicle from floods is imperative. Precautions should be taken before, during, and after a flood because repairing or replacing your vehicle can be expensive.

We'll provide detailed tips in this article on shielding your automobile from harm during floods. In addition to it, online car insurance can safeguard your vehicle from water damage and offer financial support in an accident.

Understanding how to protect your car during floods is crucial, whether you reside in a flood-prone area or are visiting one. These suggestions can help you keep your vehicle in good working order for years to come while protecting it against water damage.

1. Place your car in a secure area
Moving your car to higher ground, ideally in a secure area, is one of the most important things to do when a flood is about to occur. This can shield your automobile from floodwater and reduce the likelihood of severe damage. If possible, park your vehicle on a raised surface or in a garage. Avoid parking your car under a tree since the branches could fall and harm it.

2. Unplug the battery
Combining water and electricity can be fatal. To avoid electrical harm, it is important to disconnect your car's battery. If you need help disconnecting the battery, ask a qualified mechanic for help.

3. Lock the doors and windows of your car
Another crucial action you should take during a flood is to seal the windows and doors of your car. Close any cracks using duct tape to stop water from entering your automobile. Allow a tiny opening for air circulation to avoid a moisture build-up inside the vehicle.

4. Steer clear of flooded roads
Driving through floodwater is extremely risky and can seriously harm your vehicle. Your car's electrical system, gearbox, and engine can all be damaged by floodwater. Stay off flooded roads and, if feasible, take a different route.

5. Verify the air filter in your car
Check your car's air filter if you're travelling through flooded areas. Debris can clog your air filter and stop airflow to your engine. Your engine may slow down due to a blocked air filter and even sustain lasting harm.

6. Dry the interior of your car
It's crucial to dry your car's interior as quickly as possible if it is exposed to floodwater. After removing any standing water with a wet/dry vacuum, remove any moisture with a dehumidifier. Mould and mildew can develop due to moisture, which could damage the interior.

7. Have an expert inspect your vehicle
Having your car checked up by a qualified mechanic after a flood is essential. They can examine your car's bodywork, electrical system, and engine for any damage. Any issues should be discovered immediately to stop them from worsening.

In conclusion, caring for your car during floods is essential to prevent damage and keep it safe. Park your vehicle in a secure location, disconnect the battery, seal your car doors and windows, avoid driving through floodwater, check your car's air filter, dry your car's interior, inspect your vehicle with a professional, and consider online car insurance. These tips can help protect your vehicle from flood damage and keep it running smoothly for years.

Finally, it's crucial to have car insurance, especially during natural disasters like floods. Online car insurance can help you protect your car from damage and provide financial assistance in case of any mishaps. Make sure to choose an insurance policy that covers flood damage to your vehicle.

Click HERE to learn more about online car insurance and its advantages.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

CT stands for computed tomography, a category of medical imaging. A variety of medical disorders are frequently diagnosed and monitored using CT scans. It is a diagnostic imaging process that creates images of the body's interior using a combination of X-rays and computer technologies. Any aspect of the body, including the bones, muscles, organs, and blood vessels, are shown in great detail.

CT scans may be carried out to assist in diagnosing tumours, look into internal bleeding, or look for other internal injuries or damage. Online health insurance frequently covers CT scans because they are a standard diagnostic procedure. However, coverage may differ based on the particular plan and the purpose of the CT scan.

Uses of CT scans
Many different medical problems are diagnosed and monitored with CT scans, including:

1. Cancer diagnosis and treatment
The progression of various cancer types is detected and tracked using CT scans. They can spot tumours, determine their size, and demonstrate whether cancer has migrated to other bodily regions.

2. Trauma
Internal bleeding, organ damage, and other forms of injuries that would not be seen with other imaging techniques are all detected with CT scans. 3. Cardiovascular disease
CT scans can be used to detect cardiac disease and evaluate the health of the heart and blood arteries.

4. Brain and spinal cord disorders
CT scans can identify brain and spinal cord diseases, such as infections, tumours, and strokes.

5. Muscle and bone injuries
Bone and joint injuries, such as fractures or dislocations, can be found with a CT scan. Additionally, they can assess the spine, find tumours, and assist with orthopaedic surgery.

6. Lung diseases
Lung conditions, including pneumonia, lung cancer, or pulmonary embolism, can all be found with CT scans. Additionally, they can assess lung health and detect the severity of lung disorders.

7. Abdominal pain
A CT scan can diagnose several conditions, including appendicitis, diverticulitis, and pancreatitis, to pinpoint the cause of stomach pain.

How CT scans work
CT scans use X-rays to create highly detailed images of the body. A CT scan is performed while the patient is lying on a table that is moved through a vast, doughnut-shaped device called a CT scanner. As the table moves, the scanner rotates around the body, and various X-ray images are taken from multiple angles. The computer subsequently transforms the bodily component being scanned into a 3D image by combining these images.

CT scans offer incredibly detailed images that can display internal body systems. Minor abnormalities that would not be seen with other imaging techniques can now be seen by specialists.

Risks of CT scans
CT scans expose the patient to a small amount of radiation, although they are mostly harmless. It could be dangerous if the patient is exposed to too much radiation over time. Due to this, medical professionals typically advise CT scans when they are required for diagnosis or therapy.

In addition, there is a slight possibility of developing an allergy to the contrast dye that may occasionally be used during a CT scan. This risk can be minimised by informing the medical staff of any allergies or previous reactions to contrast dye.

Benefits of CT scans
● Speed: CT scans are quick, finishing in just a few minutes
● Non-invasive: Any equipment or surgery is not required for CT scans because they are non-invasive
● High-resolution pictures: High-resolution images from CT scans enable medical professionals to spot even subtle abnormalities.
● Comprehensive pictures: Comprehensive images that provide a close-up of the bodily part being scanned can be produced via CT scans.

CT scans are helpful medical imaging tools that provide precise images of the inside organs and structures of the body using X-rays and computer technology. They offer a more accurate view of inside organs, bones, and tissues than typical X-rays. If a CT scan is deemed medically necessary, health insurance ought to pay for it. It's essential to review the specifications of your online health insurance plan to understand the types of diagnostic tests covered in it.

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Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

A cyclone is a storm that rotates viciously around a centre of low atmospheric pressure. It advances at high speeds and causes heavy torrential rains, forcing havoc and a lot of destruction. The peak season of cyclone formation in India ranges from May to November and primarily affects the coastal states.

Cyclones are known to cause heavy damage to property and lives. They can destroy houses and buildings, wash away entire villages and towns, damage agricultural cultivation, and cause loss of lives.

Here are some useful tips for protecting your property and family during the cyclone season.

1. Secure your house
Make your house safe and sound before the arrival of the cyclone season. Doors and windows with broken hinges and latches can fall off during cyclonic weather and hurt you and your family. Fix them, and secure loose tiles in your house to make them safe and sturdy. Arrange for a few wooden boards that can be used to secure your windows and prevent them from breaking during torrential winds. Do not leave loose bricks, garbage cans, signboards, broken furniture, etc., outside your house, as they can be swept off in the storm and cause damage during a cyclone.

2. Vacate your house
If you feel your house or building has become too old and dilapidated, do not stay in it during the cyclone season. A cyclone has the power to bring your old building down. Apart from causing you a lot of financial loss, it can cost your lives too in such a case.

Also, if your house is near a beach and can be swept away by a high tide or stormy waves, vacate it if you hear a cyclone warning from a credible source. Do not rely upon social media forwards in such a situation. Look out for cyclone warnings in local newspapers, on the television, or confirm with the local administration. Low-lying areas get flooded in no time in such storms. Leave early to high-lying areas, or you might get stuck in a flooded region.

3. Stock up
A cyclone often brings an extended power blackout and floods, and you might get stuck in your house for an unexpectedly long time. Hence, stock up on essential food and grocery items used in emergencies. You can store packaged and canned food at your home. Stock up on snacks that need no or little preparation for consumption and have a shelf life of several months.
Along with food, stock up on essential medicines you regularly take or may need in emergencies. Try to keep a spare filled gas cylinder at home as the supply of your piped natural gas line will be shut down for a long time. Also, keep spare batteries and power banks at home, as they may be handy in long power blackouts.

4. Electrical wiring
Make sure your house wiring is up-to-date and covered, especially on the outside. Loose wires hanging outside your house can cause a serious electric shock hazard in times of cyclonic weather. If you see broken wires hanging outside your house, such as from a lamp post, do not touch them or step in flooded water. It may have a running current and cause shock and or threat to life.

5. Car and bike safety
If you hear a credible warning about an upcoming cyclone, rush to park your car or bike on some high ground. A strong flood can destroy your car or two-wheeler by damaging its engine or even sweeping it away.

Being cautious and alert beforehand is always better than facing a natural disaster without any preparation. The above tips can help you minimise damage to your life and property in case of a cyclone and help you deal with it bravely. Along with the other preparations, you should buy insurance from the best general insurance companies in India to secure you financially in such disasters. Opt for good health insurance, house and property, auto, and asset insurance policies, and stay safe and secure.

Click HERE to buy the best general insurance in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.