India, June 24 -- A damaged bumper, cracked headlamp, or broken side panel can quickly increase repair bills after an accident. Many vehicle owners choose zero depreciation car insurance to avoid paying a larger share of these costs out of their own pocket.

Still, having this add-on does not automatically mean that every repair expense will be covered by the insurer. Certain conditions, exclusions and policy limits can affect how much compensation is actually approved. Knowing about these clauses beforehand can help avoid unpleasant surprises later.

What Does Zero Depreciation Insurance Usually Cover? Many people consider adding this protection during car insurance renewal to reduce depreciation-related deductions on repair bills. Under...