Hello, I'm in need of guidance for mending my troubled marriage. My wife and I have been living separately since October. Our nine-year marriage, which blossomed after a five-year relationship, is now in jeopardy. A major challenge arose three years ago when I found out about my wife's affair with someone we know. This discovery was particularly hard, considering our daughter was only five at the time, and led to numerous disputes, sometimes in our daughter's presence. We eventually decided to reunite for the sake of our daughter and focused on creating joyful family moments. However, the issue resurfaced when the same individual appeared near our home, and my wife started planning activities at times when he was around. This has caused me great discomfort and resulted in further arguments, though not in front of our daughter. When I brought up my concerns to my wife, she and her family told me to handle it on my own and to be mentally stronger. Unfortunately, a recent dispute on this issue resulted in her leaving with our daughter and contemplating divorce. I deeply miss our family life and am eager to restore trust with my wife, who seems unsupportive at the moment. This situation is affecting both me and our daughter profoundly, and I would greatly value some advice on how can I restore peace back in my life.

Ans: In the unfortunate event of an accident with your Maruti Ertiga, a comprehensive car insurance policy will best serve your interests. Here's why:

Comprehensive Coverage:

• Third-party Liability: This is mandatory by law and covers any injuries or property damage caused to a third party due to an accident involving your car.
• Own Damage Cover: This protects your Maruti Ertiga from damages caused by accidents, theft, fire, natural calamities, etc.

Additional Coverage for Permanent Disability and Hospitalisation:

• Personal Accident (PA) Cover for Owner-Driver and Passengers: This add-on provides a lump sum payout in case of death or permanent disability due to an accident. You can extend this cover to include your passengers as well.
• Medical Expenses Cover: This add-on reimburses hospitalisation expenses incurred due to injuries sustained in an accident.

Here's what to consider when choosing an insurance provider:

• Claim Settlement Ratio (CSR): Look for insurers with a high CSR, which indicates a good record of settling claims promptly.
• Network Garages: Opt for an insurer with a wide network of cashless garages for repairs to ensure a hassle-free experience.
• Customer Service: Choose a company known for providing prompt and helpful customer service.

Popular Car Insurance Providers in India:

• Acko General Insurance
• HDFC Ergo
• The Oriental Insurance Company
• National Insurance Company
• Bajaj Allianz General Insurance

Researching and Comparing Policies

• Use online insurance aggregator websites to compare quotes from different providers. These websites allow you to input details about your Maruti Ertiga, your driving history, and desired coverage options. They will then provide you with quotes from various insurers, allowing you to compare prices and features.

Consulting a Financial Advisor

• Consider consulting a financial advisor who can help you assess your specific needs and recommend the most suitable car insurance policy for your Maruti Ertiga.