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Why EV Repairs Are So Expensive (and How to Avoid Big Bills)

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Motor Survey Insight

ETFs vs. Index Funds: A Simple Guide for Nervous Newbies

If you're new to investing and feel uneasy about market ups and downs, you’re not alone. Many beginners look for safe, low-cost ways to enter the world of investing. Two options most newbie like are Index Funds and Exchange-Traded Funds (ETFs). Both spread your money across many companies, helping reduce risk. Let’s probe what they are and how they vary—in a simple language. What Are They? Index Funds Index Funds are mutual funds designed to match the performance of a market index like the S&P 500 or India’s Nifty 50. You buy or sell them at the end of the trading day, based on the Net Asset Value (NAV). They’re passive, require no trading skills, and are ideal for Systematic Investment Plans (SIPs) in India (Investopedia, 2025) . ETFs (Exchange-Traded Funds) ETFs are like stocks that traded throughout day but trail indexes. This gives you more flexibility—but you’ll need a Demat account and should understand basic trading. ETFs often have lower expense ratios and m...

10 Essential Documents You Need for a Smooth Motor Insurance Claim

After an accident or when your vehicle is damaged, filing an insurance claim can feel overwhelming. However, gathering the right documents ahead of time can make the process much smoother and help you get your claim processed quickly (IRDAI, Policybazaar). Essential Documents for India If you’re filing a claim in India, make sure you have the following documents ready (Bajaj Allianz, Aditya Birla Capital) : - Claim Form : A signed form that starts the claim process. - Insurance Policy Copy : Proof of your coverage and policy details. - Registration Certificate (RC) : Evidence that you own the vehicle. - Driver’s License : Verification that the driver was legally licensed when the incident occurred. - Police FIR : Required if the accident involves third parties or if the law mandates it (IRDAI). - Repair Estimate : An authorized garage’s estimate of repair costs. - Repair Bills/Receipts : Original bills needed for reimbursement claims(payment to insured). - Damage Ph...

What Happens After a Car Accident? A Step-by-Step Claims Guide

Car accidents are stressful, but understanding the claims process can make the situation more manageable. Here’s a clear guide to help you through it: Step 1: Immediately After the Accident - Stay Safe :- Check for injuries and call an ambulance if needed. - Move vehicles to the side of the road (if possible) to avoid more accidents. - Turn on hazard lights and use warning triangles if you have them. - Do Not Admit Fault :- Stick to facts. Don't accept or assign blame—it’s not your job to decide. - Exchange Information : Collect these details from the other driver(s) :- Name and contact info. - Driving Licence Number. - Vehicle Registration Number. - Car Insurance Policy details (ask to see proof). - Gather Evidence :- Take photos/videos of the scene, vehicle damage, number plates, and road conditions. - Note the time, date, and location. - Get witness names and contact numbers if available. - File an FIR (if needed) :- Mandatory for serious accidents (injuries, major damage, hit-a...

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