Highways in Bihar allow easy access and movement across various districts. Constructed by the government, they provide an important link between the state's cities for the movement of people and the transportation of goods. The Bihar state highways provide easy access and contribute to the state's economic development.

List of 20 State Highways in Bihar

The highways link major cities and districts with far-off places in the state and are well-connected to other state highways. The Bihar government’s Public Works Department is responsible for maintaining these roads. 

Let us look at the 20 state highways in Bihar. 

• Dumaria to Talab is at a distance of 153 km and the state highway SH69 covers it.
• Araria to Bhaptiyahi is at a distance of 121 km and the state highway SH76 covers it. 
• Bihta to Sarmera is 112 km long and is covered by the state highway SH78. The highway also covers Dumari, Gopalbad, etc.
• Kursela to Forbesganj is at a distance of 105 km, covered by the state highway SH77. 
• Biharsharif to Arwal Road is at a distance of 89.77 km, covered by the state highway SH5.
• Siwan to Sitalpur is among the important state highways of Bihar, which covers a distance of SH73.
• Jehanabad to Parwatipur is at a distance of 85 km. The state highway covering this distance is SH71.
• Hajipur to Areraj is an important part of Bihar state highways. It is covered by SH74 and covers an 85 km distance.
• Fatuha to Gaya is covered by the state highway SH4, with a distance of 82.16 km. 
• Sheoganj to Baidarabad is covered by the state highway SH68. It has a distance of 78 km.
• Araria to Galgalia Road is covered by the state highway SH63, with a distance of 68 km.
• Another important part of Bihar state highways is SH16, which covers the 67 km distance from Akbarpur to Jardeg Road.
• Bettiah to Bagaha Road is covered by the state highway SH 64, with a distance of 66 km. 
• Jamui to Chakai Road is covered by the state highway SH 18, with a distance of 64 km. 
• Purnia to Chandpur is at a distance of 63 km and it is covered by the state highway SH 65.
• Another important part of Bihar state highways is SH18, which covers 58 km between the destinations  Sikandara and Kharagpur Road.
•  Sultanganj to Tarapur Road is covered by the state highway SH22, with a distance of 58 km.
• The state highway SH70 covers Gaya to Rajauli. It has a distance of 58 km.
• Jamui to Bariyarpur is covered by the state highway SH72, with a distance of 58 km.

Conclusion

Driving on Bihar highways is easy and stress-free. Before hitting the road, remember that you have valid car insurance. It will save you from fines and protect you in case of accident, damage, or vehicle theft.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Also Read:

• Highway Driving Tips: How to Drive on the Highway
• 5 Tips to Help You Drive More Safely at Night
• Top 10 Most Important Traffic Rules For Car Drivers
• E-Challan Status Bihar: How to Check E-Challan Status Online?
• Bihar Challan Payment: Steps For E-Challan Payment in Bihar

West Bengal is located near India’s gateway to the East, amidst the Himalayas and the Bay of Bengal. This cultural capital is the fourth-most populous Indian state and its capital city of Kolkata is the seventh-most populous Indian city. To keep up with the expanding population, the state government has conducted significant infrastructural development, especially concerning the state highways in West Bengal. Read on to learn of the state’s impressive network of roads.

List of 15 State Highways in West Bengal

The following is an exhaustive list of the 15 West Bengal state highways:

1. West Bengal State Highway 1 (WB SH 1)

Entry and Exit Point: From Bongaon to Kulpi 

Total Length: 151 km

Route: Bongaon, Chakdaha, Kalyani, Barrackpore, Kolkata, Jadavpur, Gaira, Rajpur, Sonarpur, Baruipur, Jayanagar, Majilpur, Kulpi 

2. West Bengal State Highway 11 (WB SH 11)

Entry and Exit Point: From Mohammad Bazar to Ranaghat

Total Length: 251 km

Route: Mohammad Bazar, Sainthia, Kandi, Khagra, Baharmpur, Jalangi, Karimpur, Krishnanagar,  Ranaghat

3. West Bengal State Highway 15 (WB SH 15)

Entry and Exit Point: From Dainhat to Gadiara 

Total Length: 242 km

Route: Dainhat, Manteswar, Memari, Chakdighi, Dasghara, Tarakeswar, Chanditala, Baltikuri, Munshirhat, Bargachia, Amta, Bagnan, Shvarnpur, Gadiara 

4. West Bengal State Highway 9 (WB SH 9)

Entry and Exit Point: From Durgapur to Nayagram

Total Length: 251 km

Route: Durgapur, Bankura, Taldangra, Simlapal, Raipur, Jhargram, Dahijuri, Fekohat, Gopiballavpur, Nayagram

5. West Bengal State Highway 4 (WB SH 4)

Entry and Exit Point: From Jhalda to Digha

Total Length: 466 km

Route: Jhalda, Balarampur, Manbazar, Khatra, Raipur, Sarenga, Chandrakona, Ghatal, Panskura, Tamluk, Contai, Digha

6. West Bengal State Highway 12 (WB SH 12)

Entry and Exit Point: From Naxalbari to Alipurduar

Total Length: 352 km

Route: Naxalbari, Alipurduar

7. West Bengal State Highway 7 (WB SH 7)

Entry and Exit Point: From Rajgram to Medinipur

Total Length: 289 km

Route: Rajgram, Nalhati, Morgram, Kuli, Natunhat, Burdwan, Arambag, Khirpai, Chandrakona, Keshpur, Medinipur

8. West Bengal State Highway 2 (WB SH 2)

Entry and Exit Point: From Khatra to Malancha

Total Length: 323 km

Route: Khatra, Taldangra, Bishnupur, Arambag, Tarakeswar, Uttarpara, Dakshineswar, Basirhat, Malancha

9. West Bengal State Highway 13 (WB SH 13)

Entry and Exit Point: From Palsit (NH 19) to Baidyabati

Total Length: 88 km

Route: Palsit (NH 19), EM Bypass, Dankuni, via Memari, Boinchi, Pandua, Mogra, Baidyabati

10. West Bengal State Highway 3 (WB SH 3)

Entry and Exit Point: From Krishnanagar to Gosaba

Total Length: 260 km

Route: Krishnanagar, Helencha, Bangaon, Gaighata, Haroa, Ultadanga, Dhapa, Minakhan, Gosaba

11. West Bengal State Highway 6 (WB SH 6)

Entry and Exit Point: From Rajnagar to Alampur

Total Length: 266 km

Route: Rajnagar, Suri, Ahmedpur, Kirnahar, Katwa, Kalna, Saptagram, Uttarpara, Botanical Garden, Alampur

12. West Bengal State Highway 14 (WB SH 14)

Entry and Exit Point: From Dubrajpur to Debagram 

Total Length: 226 km

Route: Dubrajpur, Debagram

13. West Bengal State Highway 11A (WB SH 11A)

Entry and Exit Point: From Bhagawangola to Raghunathganj

Total Length: 65 km

Route: Bhagawangola, Lalgola, Jangipur, Raghunathganj

14. West Bengal State Highway 5 (WB SH 5)

Entry and Exit Point: From Rupnarayanpur to Junput 

Total Length: 376 km

Route: Rupnarayanpur, Neamatpur, Dishergarh, Raghunathpur, Purulia, Manbazar, Banduan, Jhilimili, Jhargram, Kharagpur, Keshiari, Belda, Junput

15. West Bengal State Highway 8 (WB SH 8)

Entry and Exit Point: From Santaldih to Majdia

Total Length: 292 km

Route: Santaldih, Raghunathpur, Saltora, Bankura, Beliatore, Sonamukhi, Patrasayer, Rasulpur, Kusumgram, Samudragarh, Krishnanagar, Majdia

Conclusion

While traversing the scenic state highways of West Bengal, it is also necessary to take the appropriate safety precautions. Car insurance is vital to ensure protection against unexpected accidents or damage. As commuters navigate these busy roads through the countryside, adequate car insurance can provide them with peace of mind, safeguarding their journeys and fostering a worry-free exploration of West Bengal's beautiful landscapes.

Also Read:

• Highway Driving Tips: How to Drive on the Highway
• 5 Tips to Help You Drive More Safely at Night
• Top 10 Most Important Traffic Rules For Car Drivers
• An Overview of the Regional Transport Office of Howrah
• How to apply for a Driving Licence in Kolkata?

Situated in northeast India, along the Brahmaputra and the Barak River Valley, Assam is the second largest northeastern state, spanning 78,438 km² of area. It is home to three out of six physiographic divisions of the country and boasts a network of well-connected roadways. These state highways in Assam link the region to various other states and cities.

List of 20 State Highways in Assam

There are about 20 major state highways in Assam. These are listed below:

1. Assam State Highway 1 (AS SH 1)

Entry and Exit Point: From Kamargaon to Joypur

Total Length: 210.10 km

Route: Kamargaon, Kakadunga, Kamarbandha, Amguri, Dillighat, Joypur

2. Assam State Highway 3 (AS SH 3)

Entry and Exit Point: From Narengi Tiniali to Bhakatgaon

Total Length: 147.18 km

Route: Narengi Tiniali, Gobarghan Bazar, Bhakat Gaon, Kajalichowki, Morigaon Police Station, Barpaujia, Naltali on NH-37A, Bhakatgaon

3. Assam State Highway 10 (AS SH 10)

Entry and Exit Point: From Barama to Rowta

Total Length: 103.80 km

Route: Barama, Dhamdhama, Tamulpur, Barangabari, Paneri, Udalguri, Kahibari, Rowta

4. Assam State Highway 20 (AS SH 20)

Entry and Exit Point: From half-long Tinali to Jatinga (MH-54 Extension)

Total Length: 185.77 km

Route: Half long Tinali, Umrangso, Dehangi Jatinga (MH-54 Extension)

5. Assam State Highway 22 (AS SH 22)

Entry and Exit Point: From Gogamuk to Telijan

Total Length: 56.90 km

Route: Gogamuk, Ghilamara, Butikur, Telijan

6. Assam State Highway 15 (AS SH 15)

Entry and Exit Point: From Kahibari to Borduwa

Total Length: 29.75 km

Route: Kahibari, Morigaon, Nagaon, Borduwa

7. Assam State Highway 12 (AS SH 12)

Entry and Exit Point: From Agia to Lakhipur

Total Length: 32 km

Route: Agia, Medhipara, Lakhipur

8. Assam State Highway 28 (AS SH 28)

Entry and Exit Point: From Gouripur to Dhubri

Total Length: 8.54 km

Route: Gouripur, Dhubri

9. Assam State Highway 26 (AS SH 26)

Entry and Exit Point: From Tingrai to Sukanjuri Gate (Joypur Ali)

Total Length: 47 km

Route: Tingrai, Tinali, Naharkatia, Joypur, Sukanjuri Gate

10. Assam State Highway 48 (AS SH 48)

Entry and Exit Point: From Dibang Ghat to Tezu

Total Length: 35 km

Route: Dibang Ghat, Chapakhowa, Tezu

11. Assam State Highway 37 (AS SH 37)

Entry and Exit Point: From Udarbond to Mahur

Total Length: 90 km

Route: Udarbond, Ainacherra, Pangmul, Mahur

12. Assam State Highway 32 (AS SH 32)

Entry and Exit Point: From Jorhat to Goronga

Total Length: 49.96 km

Route: Jorhat, Titabor, Barhola, Goronga

13. Assam State Highway 19 (AS SH 19)

Entry and Exit Point: From Hamren to Karkok

Total Length: 63.66 km

Route: Hamren, Tumpreng, Nilbagan, Morajhar, Howraghat, Karkok

14. Assam State Highway 6 (AS SH 6)

Entry and Exit Point: From Simlaguri (NH-31) to Jalah

Total Length: 93 km

Route: Simlaguri (NH-31), Bagsa Dist Border, Salbari, Jalah

15. Assam State Highway 2 (AS SH 2)

Entry and Exit Point: From Bongaigaon to North Guwahati

Total Length: 161 km

Route: Bongaigaon, Khudrakhowa, Doulasal, Adabari North Guwahati

16. Assam State Highway 17 (AS SH 17)

Entry and Exit Point: From Amlokhi to Roha

Total Length: 82 km

Route: Amlokhi, Kathiatoli, Kampur, Chaparmuk, Roha

17. Assam State Highway 46 (AS SH 46)

Entry and Exit Point: From Dudhnoi to Fulbari

Total Length: 127.7 km

Route: Dudhnoi, Goalpara, Kharmuja, Lakhipur, Khalishabhita, Fulbari

18. Assam State Highway 39 (AS SH 39)

Entry and Exit Point: From Silchar to Paomara

Total Length: 84 km

Route: Silchar, Dwarbadh, Samarikona, Saraspur, Belala, Paomara

19. Assam State Highway 43 (AS SH 43)

Entry and Exit Point: From Laluk (NH-52) to Narayanpur (NH-52)

Total Length: 25 km

Route: Laluk, Bihpuria, Narayanpur on NH-52

20. Assam State Highway 36 (AS SH 36)

Entry and Exit Point: From Lumding to Dimapur

Total Length: 73 km

Route: Lumding, Dipu, Dimapur

Conclusion

These state highways in Assam are crucial for regional connectivity and critical indicators of infrastructural development. Ensuring these highways are well-maintained enhances safety and efficiency for travellers. However, unexpected situations like accidents or damage can occur at any moment on the road. It is vital to take precautionary measures and purchase adequate car insurance to enjoy peace of mind and financial protection. This combination of robust infrastructure and insurance coverage can ensure a safer, more secure journey for users of Assam’s state highways.

Also Read:

• Highway Driving Tips: How to Drive on the Highway
• 5 Tips to Help You Drive More Safely at Night
• Top 10 Most Important Traffic Rules For Car Drivers
• High Security Registration Plates Assam Registration

Rajasthan, the vibrant and colourful state known for its cultural heritage, hosts a significant volume of road traffic. Hence, while exploring this beautiful land, you must be well-informed about the traffic fines you may have to contend with. Understanding traffic-related fines imposed in Rajasthan is not only essential for responsible driving but can also have implications for your car insurance. The Motor Vehicles Act of 1988 implements traffic rules and regulations across the state. However, the state government has made some changes to the existing Rajasthan traffic challan that are crucial to know.

List of traffic fines in Surat

Here is a table summarising various traffic challan Rajasthan:

Surat, a commercial hub in Gujarat, is known for its vibrant culture, trade, and, of course, its bustling traffic. To maintain order and promote safety on the city's roads, the Surat Traffic Police have implemented a system of fines and penalties. As a responsible driver, it is essential to be aware of the traffic fines liable to be imposed in Surat. Understanding these fines not only helps you navigate the city's roads safely but also has implications for your car insurance. Let’s explore various Surat Traffic Challan criteria and shed light on the consequences of violations and how they may affect your car insurance.

List of traffic fines in Surat

Here is a comprehensive list of traffic challan Surat:

Most people wonder does car insurance go up with a new car. We must tell you that it’s true. Car insurance premiums often go up when you purchase a new vehicle. Several factors contribute to this increase in insurance costs.

Firstly, new cars typically have a higher market value than older vehicles. It means that in the event of an accident or total loss, the insurance company may need to pay a larger sum to replace or repair the new vehicle. Consequently, they charge higher premiums to cover this potential cost.

Secondly, new cars often come equipped with advanced safety features and technology, which can be expensive to repair or replace. While these features enhance safety, they can also increase the cost of insurance since repairing or replacing such technology can be costly.

Additionally, a brand-new car will be at a higher risk of theft than an older vehicle. It increases the risk of theft, results in higher premiums and increases the insurer’s liability at the time of claim settlement. Therefore, the insurance company factors in the elevated risk and raises the premium for new car insurance policies.

Lastly, new car owners might opt for comprehensive coverage to protect their substantial investment fully. Comprehensive coverage, including protection against theft and damage unrelated to accidents, typically comes with a higher premium.

Steps to buy car insurance for a new car

Follow these steps to obtain car insurance for your brand-new car.

Gather Vehicle Information

Collect details about your new car, including make, model, year and vehicle identification number (VIN).

When it’s time to bid farewell to your trusted vehicle and pass it on to a new owner, there’s more to consider than just the title transfer. You also need to address the matter of car insurance. Transferring car insurance to a new owner is crucial to ensure the vehicle remains adequately covered while complying with legal requirements. In this guide, we’ll tell you how to transfer car insurance to the new owner. Here, you can find essential steps to smoothly transition your existing car insurance policy to the new owner.

Steps to transfer car insurance to new owner

Here are the steps to transfer car insurance to a new owner —

Contact Your Insurance Provider

Begin by reaching out to your current or new car insurance provider as soon as you’ve finalised the sale of the vehicle. This step is crucial to initiate the transfer process.

Provide Information to the New Owner

The new owner will need specific details to facilitate the insurance transfer, including the insurance policy number, your contact information and the effective date of the transfer.

Review Policy Terms

Review your existing insurance policy to understand any terms and conditions related to transferring coverage to a new owner. Some guidelines may have specific requirements or restrictions.

Check with the New Owner’s Insurance Provider

Encourage the new owner to contact his/her insurance provider to ensure coverage from the moment he/she takes possession of the vehicle. It prevents any gaps in coverage.

Coordinate with Both Insurance Providers

Communicate with your and the new owner’s insurance provider to ensure a seamless transition. They will work together to facilitate the transfer.

Complete Necessary Paperwork

Your insurance company will provide the required forms and paperwork for the transfer. Make sure to fill out these documents accurately and promptly.

Verify the New Owner’s Coverage

Confirm with the new owner that he/she has received the new insurance documents and that the coverage is active before the person starts driving the vehicle.

Cancel Your Coverage

Once the transfer is complete and the new owner’s coverage is confirmed, contact your insurance provider to cancel your policy for the vehicle. It ensures you are no longer responsible for it.

Update the Title and Registration

Don’t forget to update the vehicle’s title and registration with the appropriate authorities, indicating the change of ownership. It helps avoid any confusion in the event of future issues.

Maintain Documentation

Keep copies of all relevant paperwork, including the transfer forms, cancellation confirmation and the bill of sale, as a transaction record.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.


Also Read:

• IRDAI Withdraws Long-Term Package: Impact on New Vehicle Owners
• How Does The E-Challan System Work In India?
• How to Check Traffic Challan Status in Mumbai?
• How to Check Traffic Challan Status in Lucknow?
• How to Check Traffic Challan Status in Indore?

First, let’s learn about third-party car insurance before you explore its coverage.

What is third-party car insurance?

This insurance is a fundamental component of car insurance coverage. An insurance policy provides financial protection to the policyholder against claims made by third parties in the situation of an accident or damage caused by the insured vehicle. Unlike comprehensive car insurance, which covers a wide range of risks, this car insurance is more limited in scope. It covers the policyholder’s liability for injuries or property damage inflicted upon others. However, it’s essential to understand what third-party car insurance covers.

Third-Party Insurance Coverage

Most people don’t know about the coverage of their car insurance. If you are also wondering does third-party insurance covers car damage, you can take a look at the list of coverage below:

Liability Coverage

Third-party car insurance primarily offers liability coverage. It includes Bodily Injury Liability (BIL) and Property Damage Liability (PDL). BIL covers medical expenses, rehabilitation and legal fees if you injure someone in an accident. In comparison, PDL covers repairing or replacing third-party property (e.g., another person’s car, a fence or a building) damaged in an accident.

Legal Protection

Third-party car insurance provides legal protection by covering the cost of legal defence if you get sued due to an accident.

Coverage for Other Drivers

This type of insurance extends to other drivers listed on your policy, such as family members, if they are driving your insured vehicle with your permission.

Periodically altering the position of each tire on your vehicle constitutes tire rotation, an essential part of regular car maintenance. This practice is typically recommended by the manufacturer or at a 5,000-mile interval, often coinciding with routine oil changes. Now that you understand what tire rotation is in a car, let’s explore why it is required. As a car owner, ensure your car insurance is renewed on time.

Why Is Tyre Rotation Required?

Understanding why tire rotation is required helps car owners extend the lifespan of their tires, enhance fuel efficiency and maintain a safer driving experience. Here, we’ll delve into the reasons behind the importance of tire rotation and its impact on overall vehicle health.

Here are the reasons:

1. The significance of tire rotation lies in its ability to ensure even wear across all four tires. This maximises their tread life. Different positions on a vehicle demand varied levels of torque and friction from each tire. For example, in front-wheel-drive vehicles, the front tires bear the brunt of turning, accelerating, and braking forces.

Rotating the tires ensures an even distribution of wear, maintaining the car’s safety and performance.

2. Tire rotation is more important when dealing with new tires. The deep treads of new tires are more susceptible to uneven wear within the first 5,000 miles. Tire rotation ensures even tread wear. This then maintains uniform tread depth across all tires. This uniformity contributes significantly to consistent traction and handling. This enhances overall safety during cornering and braking manoeuvres.
3. For vehicles equipped with all-wheel-drive systems, evenly worn tires are important to minimise stress on the drivetrain. Even tires reduce wear on expensive drive components. Hence, tire rotation ensures the longevity of critical vehicle systems.
4. Regular tire rotation promotes even tread wear and allows for visual inspection. It enables checking air pressure, rebalancing to address vibrations and assessing tread depth, ensuring comprehensive tire maintenance.

Conclusion

In this blog, we understood what is rotating your tires and why it is crucial. Your car’s required tire rotation pattern depends on your vehicle type and the type of tires you use. Maintaining your warranty’s stipulations necessitates regular tire rotation. Additionally, as a car owner, ensure you have car insurance and renew it on time, as it is a legal mandate in India.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Related Articles:

• Essential Items for Car Emergency Kit: Tyre Jack, Jumper Cable
• How to Check Tyre Pressure: A Step-by-Step Guide
• Understanding Car Insurance Coverage for Tyre Damage
• Understanding Run-Flat Tyres: Meaning and Identification
• Unlocking Longevity: Factors Affecting Car Tyre Life and How to Preserve Them

When purchasing new tires for your car, it's crucial to identify the correct tire size. You can find this information in your car’s doorjamb or owner’s manual, presented as a sequence of letters and numbers. If you need clarification on this process, fear not! This blog will guide you through the steps on how to find out the tire size of a car. Additionally, this is a friendly reminder to car owners—consider investing in car insurance and ensures timely renewals for comprehensive coverage.

Steps to Calculate Tyre Size for Your Car

Many of today’s car and light truck tires showcase size designations that communicate the tire’s dimensions through a blend of metric, mathematical and English systems. This unique combination of millimetres, percentages and inches results from the on-going development of global tire specifications. Additionally, it grants the capability to calculate or estimate fundamental tire dimensions.

Let us understand how to calculate tire size for your car from this string of numbers and letters:

1. Check the Tire Size:

   • Let us assume that your car’s tire size is 205/60R16.
   • The first three digits (205) denote the tire’s section width in millimetres.

2. Convert to Inches:

   • To convert the measurement to inches, divide the section width by 25.4.
   • For instance: 205 mm/25.4=8.07"

3. Explore Aspect Ratio:

   • The second set of numbers (60) is the tire’s aspect ratio. It represents the sidewall’s height as a percentage of the section width.
   • Calculate the sidewall height by multiplying the section width by the aspect ratio percentage.
   • For example: 205 mm×0.60=123 mm, 205mm×0.60=123mm or 8.07"×0.60=4.84"

4. Determine Wheel Diameter:

   • The final numeral (16) denotes the wheel diameter measured in inches.
   • To change it into millimetres, multiply the wheel diameter by 25.4.
   • For example: 16"×25.4=406.4 mm

5. Calculate Overall Diameter:

• • To find the overall tire diameter, multiply the sidewall height by 2 (accounting for two sidewalls) and add the wheel diameter.
  • For the given example: 123 mm+123 mm+406.4 mm=652.4 mm or 4.84"+4.84"+16"= 25.68"

Remember, these calculations provide nominal tire dimensions. These may differ from the actual physical size. So, you must always consult the tire manufacturer’s specifications for precise measurements.

Conclusion

Your car’s tire size is found inside your car’s doorjamb or in the owner’s manual. Understanding the correct tire size may seem difficult. But in this blog, we have explained to you step by step how to find out the tire size of a car. Also, you must invest in and renew your car insurance on time, as it is mandatory in India.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Related Articles:

• Essential Items for Car Emergency Kit: Tyre Jack, Jumper Cable
• How to Check Tyre Pressure: A Step-by-Step Guide
• Understanding Car Insurance Coverage for Tyre Damage
• Understanding Run-Flat Tyres: Meaning and Identification
• Unlocking Longevity: Factors Affecting Car Tyre Life and How to Preserve Them

Madhya Pradesh’s ever-changing landscape is characterised by the various state highways that cut across the state, facilitating easy travel and increased accessibility. Let us explore the crucial features of the impressive network of state highways in Madhya Pradesh.

List of Madhya Pradesh State Highways

The system of Madhya Pradesh state highways enhances connectivity across the state while fostering economic growth and accessibility. A few notable highways are as follows:

• SH-17: This route stretches between Indore and Bhopal. It links the state’s capital with its central commercial hub.
• SH-19: It connects Jabalpur to Chhindwara and passes through areas rich in forests and cultural heritage.
• SH-22: This highway links Biaora to Rajgarh. It is crucial for connecting smaller towns to regional markets.
• SH-26: It extends from Chhatarpur to Shivpuri and integrates historical towns into the broader economic framework of the state.
• SH-27: This highway connects Burhanpur to Khandwa. It also plays a vital role in linking agricultural centres to urban markets.

The infrastructure of the state highways in MP supports vehicular traffic and stimulates socio-economic development by connecting remote areas with major urban centres.

Conclusion

You can truly gauge India’s varied topography as you cruise along Madhya Pradesh’s many highways. Remember to keep your vehicle in optimum condition and purchase adequate car insurance so you can relax and enjoy the ride. These precautions will safeguard you while on the road.

Also Read:

• Highway Driving Tips: How to Drive on the Highway
• 5 Tips to Help You Drive More Safely at Night
• Top 10 Most Important Traffic Rules For Car Drivers
• High Security Registration Plates Madhya Pradesh Registration

The state of Karnataka has undergone significant expansion with respect to its roadways. Today, the Karnataka state highways serve the increasing number of commuters traversing the region. A clear understanding of this network will ensure a smooth journey for both residents and tourists. Remember, an appropriate car insurance policy is essential when travelling down these busy roadways.

Read on to learn about the highway network in Karnataka.

List of 16 State Highways in Karnataka

The state roads of Karnataka are an essential network that connects the different regions of the state. These roads play an important cultural and economic role. A few of these routes are as follows:

• SH-17: A great deal of traffic and commerce passes along this critical road that links the modern capital of Bangalore to its ancient analogue in Mysore. The regions along this pathway reflect Karnataka’s cultural wealth, promote local businesses, and attract more tourists.
• SH-49: SH-49 is famous for its waterside views. It enhances the connectivity of coastal communities and boosts the local economies and fisheries by facilitating tourism. It connects Sandur with Siraguppa.
• SH-76: This road winds through Chikmagalur’s fragrant coffee farms, offering stunning views and an opportunity to explore Karnataka’s coffee-growing region. This highway is crucial for transporting coffee beans and promoting eco-tourism in the area.
• SH-57: Beginning at the ancient city of Bagalakote, SH-57 takes travellers through many distinguished cultural centres of the state, such as Nanjangud and Badami. Travellers may also access the hill-station of Chikkamagaluru through this road. The highway ends at the Beligeriranganabetta Hills.
• SH-20: SH-20 highlights the incredible variety of Karnataka’s natural landscapes as it passes across many ecological zones. Spanning from the west end of Bacchi to the east end of Raichur, this high traverses many cities and villages, including Mudgal and Nesargi.
• SH-30: The agricultural economy of Karnataka relies on this crucial highway. This roadway connects Hemmadaga village with Sindhanur city in Raichuk via the areas of Ron, Kushtagi, Bekawadi, Saundatti, Belawadi, and Khanapur.
• SH-67: SH-67 usually receives a fair amount of traffic and is crucial in getting about urban areas in Hubbali and Mangaluru. It connects residential areas with commercial hubs such as Bajpe, Kattil, Kapu, Belmane, and Sirava and facilitates efficient access to city amenities and business districts.
• SH-123: This quieter road is essential for linking smaller villages and communities. SH-123 is vital for the local economy as it runs from the Andhra Pradesh border through villages like Hulsoor. This highway also meets SH-11, facilitating significant travel.
• SH-50: This highway connects Bhatkal, Siddapura and Chandragutti and cuts across the Sharavati Valley Wildlife Sanctuary.
• SH 34: This route connects Aurad with Sadashivagad and facilitates access to Goa. It also supports the transit needs of the northern regions of Karnataka.
• SH 35: Linking Sidlaghatta to the state border via Hoskote and Anekal, this highway plays a big role in connecting the eastern parts of the state with the bustling city outskirts of Bangalore.
• SH 37: Stretching from Subramanya to Udupi via Dharmastala, this highway is crucial for religious tourism as it links significant temple towns.
• SH 40: This highway runs from Mylara to Thoranagallu via Hadagali and Kudligi. It supports the mining industries and local economies in these areas.
• SH 41: It connects Siradon to Lingasugur and facilitates agricultural and commercial movements in northern Karnataka. It runs close to Hadagali and Kudlagi as well.
• SH 48: This highway provides a vital link from Kumta to Kadumadighi via multiple districts, such as Soraba and Chitradurga. It supports both coastal and inland communities.
• SH 1: This 450km long highway connects Udipi to Belgaum. Tourists frequent this roadway to reach these cultural capitals of the state of Karnataka.

Conclusion

You may use the various highways in Karnataka to reach high-density urban settlements and charming small towns in the countryside. Remember to take all safety precautions before driving down the roadways of Karnataka, including maintaining your vehicle with the help of a comprehensive car insurance policy. Safe travels!

Also Read:

• Highway Driving Tips: How to Drive on the Highway
• 5 Tips to Help You Drive More Safely at Night
• Top 10 Most Important Traffic Rules For Car Drivers
• High Security Registration Plate in Karnataka

How to calculate insurance premiums for a new car? When you’re the proud owner of a shiny new car, one of the essential tasks on your checklist is securing the right insurance coverage. Understanding how to calculate insurance premiums for a new car is crucial to ensure adequate coverage without breaking the bank. New car insurance can vary significantly based on various factors, so navigating this process with care is essential. Here, you can learn the steps to calculate car insurance premiums. You can also understand the process and make learned decisions to safeguard your investment and drive with peace of mind.

Tips To Manage High Blood Pressure

Follow these steps to calculate insurance premium for a new car.

Gather Vehicle Information

Collect all relevant details about your new car. It includes the make, model, year, and vehicle identification number (VIN). This information is essential for accurate premium calculations.

Determine Coverage Needs

Consider your driving habits, budget and legal requirements to assess your insurance needs. Common coverage types include liability, collision, comprehensive and uninsured motorist coverage

Research Insurance Providers

Shop around for insurance providers and obtain quotes from multiple companies. It allows you to compare premiums and coverage options to find the best fit for your new car.

Consider Deductibles

Decide on the deductible amount you’re comfortable with. A higher deductible typically results in lower premiums.

Factor in Your Driving Record

Your driving history, including accidents and violations, can influence your premium. A clean record often leads to lower insurance costs.

Explore Discounts

Inquire about discounts such as safe drivers, anti-theft devices or bundled insurance discounts. These can significantly reduce your premium..

Calculate the Premium

Use the gathered information and quotes to calculate the insurance premium for your new car. Consider annual and monthly payment options. You can also use a car insurance premium calculator to get an instant estimate and compare different plans more easily before making a decision.

Review Policy Limits

Ensure the policy limits meet your coverage needs and comply with the legal requirements.

Finalise the Policy

After careful consideration, select the insurance policy that best suits your needs and budget. Complete the necessary paperwork and payment to activate coverage for your new car.

Periodic Review

You should periodically review your insurance coverage. It ensures that the car insurance plan remains adequate for your evolving needs and enables you to make adjustments as necessary.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.



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Yes, identity proof like a PAN card, Aadhaar card, or voter card are part of the documents needed to complete the Know Your Customer (KYC) process for car insurance. Recently, the Insurance Regulatory and Development Authority of India ((IRDAI) implemented new rules for KYC in car insurance. 

This article explores PAN card is mandatory for car insurance? in more detail below.

Identity Proof Required For KYC of Individuals

Many ask, ‘Is a PAN card required for car insurance?’ Note that alongside the PAN card, other documents you need to provide to complete the KYC procedure may include:

• Identity proof
• Driving licence
• Passport photo
• Proof of residence
• Car registration number
• Car registration certificate
• Credit or debit card information
• Existing car insurance policy number
• Any other document the insurer may ask for

Conclusion

The KYC process is important in car insurance. It helps verify the customer’s identity and prevent fraud. It also ensures compliance with regulations. Based on the IRDAI regulation, insurance companies must follow KYC procedures whenever they issue any form of general insurance policy to customers.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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• Car Insurance Claim: Steps to Get Your Cheque After a Total Loss

The documents required for car insurance claim vary depending on the situation. The three types of claims under which you can file your vehicle’s insurance policy include third-party, car theft, and accident claims.

So, what documents are needed for a car insurance claim under the three scenarios? Let’s find out.

What Documents are Required for a Car Insurance Claim?

1. Third-party insurance claim

For third-party cases, the documents for car insurance claim include the following:

• A correctly filled and signed claim form
• A copy of the police FIR
• A copy of the registration certificate (RC)
• A copy of the driver’s licence (DL)
• Stamp for the registered vehicle’s original documents.

2. Car theft claim

In case of car theft, the insurer will need the following documents to process the claim:

• A copy of your car insurance policy
• Theft declaration form from the RTO
• A copy of the police FIR
• Forms 28, 29, 30, and 35
• Tax receipts
• Subrogation letter
• The original car registration book
• The previous policy information, such as the name of the insurer, duration, and time of the insurance policy. 
• Claim discharge voucher together with the revenue stamp signature
• Important items like warranty cards, booklets, and duplicate keys
• Official RTO intimation concerning theft and vehicle discontinuation.

3. Accident claim

Documents required for a motor insurance claim during an accident include the following:

• A duly filled and signed claim form
• Copy of your insurance policy
• Your car registration certificate copy
• Tax payment receipts
• A copy of the police FIR
• An estimation of the car repair amount
• Original repair cost and payment receipts
• Car inspection address

Conclusion

With the right car insurance policy, you can easily raise any of the claims above and receive your compensation. However, depending on the type of claim at hand, ensure that you present all the documents required for the successful processing.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information

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It is important to be aware of the legal procedures before submitting an automobile insurance claim. One frequently raised issue is, "Is FIR mandatory for car insurance claims?" This requirement depends on the type of incident.

Situations Where An FIR Is Needed Before A Car Insurance Claim

An FIR is created by the police upon learning of a serious crime, such as theft or an automobile accident. This report is crucial for initiating a car insurance claim and, in some cases, serves as the basis for a police investigation. You must file an FIR for car insurance claims at the nearest police station if you are in a car accident, especially if the accident has caused an injury, death, or major property damage.

Your insurer may require a copy of the FIR while processing your auto insurance policy for a claim on any loss arising from an accident. This also helps clear up any third-party responsibility issues. An FIR is necessary for car insurance claim as it helps throughout the claim evaluation and accident investigation.

Conclusion

It is imperative to file an FIR when making a claim for theft, collisions involving other people, or damage resulting from illegal activities. Ensuring prompt reporting facilitates a seamless claims procedure with our car insurance policy.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information

Also Read

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• Claim Settlement Procedure: How to File & Receive Payment
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• How to Make an Insurance Claim for a Car Dent in India?

Making insurance claims for auto damage without filing a formal complaint can be challenging, though it is permissible in some cases. While car insurance policies are often flexible, understanding the procedures and requirements is essential for successfully filing a claim.

Situations Where An FIR Is Not Needed Before A Car Insurance Claim

Not every situation necessitates filing a Form FIR to handle auto insurance claims. The following are a few scenarios where you can move forward without one:

Minor Mishaps

An FIR may not be necessary for minor collisions involving only minimal damage to the insured vehicle and no injuries or involvement of other parties. In such cases, you can directly submit your claim to the insurance company.

Damages Related to Natural Disasters

You no longer need to register FIR if your car sustains harm from an earthquake, storm, or flood. These are uncontrollable situations, and submitting an FIR for car insurance claims is not required.

Vandalism or Malicious Behaviour

Although these situations are regrettable, many insurance companies may accept claims for losses caused by vandalism or other malicious actions without requiring a formal complaint if no third party is involved. Understanding FIRs and their implications for car insurance is crucial to recognise their importance and necessity in certain situations.

Personal Injury Allegations

An FIR is typically not required for claims that are limited to damages to your car and do not involve any third parties. You may move forward by sending your insurance company the necessary claim form and accompanying documentation.

If you wish to make an insurance claim for any of these situations that do not require an FIR, you can use your insurance company’s customer care hotline, website, or app to notify them of the occurrence as soon as possible. Take pictures of the damage from different perspectives for documentation purposes.

Fill out the claim form your insurer sent you, including as much information as possible about the occurrence, your insurance, and the description of the damages. Include this form in your submission with any necessary documentation, such as your driver's license, policy paperwork, and car registration. If you utilise a network garage, the insurer will handle repairs personally. Depending on your preferred repair choice, your insurer will either pay the bills directly or refund you.

Conclusion

Although there could be additional requirements, you can submit an insurance claim without filing an FIR. Your insurer can assist you by informing you about the ideal claim procedure and support for fast resolution.

Also Read:

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• how to claim car insurance for own damage in india
• how to claim car insurance for scratches india
• does comprehensive auto insurance cover rodent damage
• Difference Between Own Damage & Third Party Insurance

If you follow the proper procedures, filing a windshield insurance claim can be a simple process. However, to guarantee a seamless procedure, it is imperative to comprehend your policy, quickly notify your insurer of the damage, and keep thorough records.

Filing The Claim For Damaged Windshield

The expense of fixing a cracked windshield or replacing the whole windshield may be considerable. Inform your insurer of the damage done to the car before claiming windshield replacement on insurance. In case your car’s windshield is affected by vandalism, it is recommended that you report the matter to the police and acquire an FIR before filing a windshield claim with your insurer.

After that, you may take your car to a network garage to use the cashless service. After assessing the damage, the garage's experts will offer you a repair or replacement. If your comprehensive insurance covers the circumstances that resulted in the damage, your insurer will pay for a windshield crack insurance claim.

Conclusion

To guarantee seamless coverage and prevent additional expenses, ensure you have comprehensive car insurance.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

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The Annual Report on Road Accidents in India released by the Ministry of Road Transport and Highways shows that 4,61,312 road accidents were reported in India in 2022. The numbers are staggering. This calls for us to be more proactive and cautious while driving. In this regard, the importance of seat belts cannot be overstated.

Importance of Seat Belts

Seat belts have significantly been instrumental in saving lives during fatalities like car crashes. A buckled seat belt can be a lifeline during a collision. 

According to the Motor Vehicles Act, if you drive without seatbelts, you can be fined up to 1000 rupees. Earlier, the penalty fee was Rs 100 only. The government of India does this to incentivise people to wear seat belts. 

But why are seat belts important? Let us understand that.

• Secures passengers

Seatbelts secure and hold the passengers, preventing them from being tossed inside or ejected/thrown over from the vehicle upon a collision. Seat belts are capable of countering the car’s inertia (its natural tendency to move), ensuring occupants are secured in place that minimises hitting the dashboard or windshield or being tossed out of the vehicle, which may result in fatal/deadly injuries. 

• Even out the force spread

By wearing a seatbelt, the force is spread evenly across the body and directed towards the hips and shoulders. This reduces accidental risk. In crashes, the head and spinal cord are particularly vulnerable. A blow to the head could result in a traumatic brain injury, while spinal injuries can be life-threatening. Wearing a seatbelt minimises this risk.

• Airbags complement seatbelts

A common misconception is that airbags can replace seat belts. However, they work in conjunction with seatbelts. Without a seatbelt, the body may not be properly positioned to benefit from the protective function of airbags.

• Affects insurance coverage

Not wearing a seatbelt in case of an accident could affect your insurance coverage. If the police report or insurance claim indicates you were not wearing a seatbelt at the time of the incident, your insurance company may refuse to compensate for certain damages. This is because many insurance providers view wearing a seatbelt as a reasonable measure to mitigate potential damage in a collision. 

• Reduced risk of fatalities

Wearing a seatbelt vastly reduces the risk of death. A study shows that wearing a seatbelt decreases the likelihood of fatality in a car accident by 45%, which is a large number. 

Now, let’s look at the importance of seat belts for passengers in the rear.

The seat belts have a locking mechanism triggered by the car’s or belt’s movements. This mechanism ensures the belt holds the body tight during a crash, maximising its protective capacity during an impact.

Earlier, seat belts were only significant for front passengers. However, they are equally crucial for passengers seated in the rear. Starting from 1 April 2025, the newly manufactured cars in India will also have an alarm for the rear seats. The move is significant, as it will help improve public safety. A study shows that 9 out of 10 Indians do not wear rear seatbelts, which underscores the need for this move.

Conclusion

Now we clearly know why seat belts are important. From legal requirements to saving oneself from sudden ejections during crashes, seat belts play a significant role. Another pivotal thing is a car insurance policy. It provides financial protection in unfortunate times like accidents. 

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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Vehicles that are brought to our country from another nation to make great sales or for one’s use are known as imported cars. The automobile may be imported through an agent or straight from the manufacturer.

Define an Imported Car

The following are the features of an imported car:

• Any car brought here from another country is an imported vehicle. They require more inspection to check if they comply with the vehicle standards in our country.
• These cars are manufactured in different countries, such as the US. Therefore, the steering wheel is usually on the left-hand side.
• It will sometimes be difficult to find any replacement parts as these vehicles are imported.
• The engines of these imported cars are made differently, so there is a chance that they might not run on normal fuel that is sold in your country.

Conclusion

Imported cars are often luxury vehicles. Since they are not easily available in our country and few own them, they give the car owner a feeling of uniqueness. They also require much care, so car insurance online is necessary to cover any costly repairs or maintenance.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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• Want to Buy a New Car? Here Is How Much You Can Spend.
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