few show rooms give insurance cover but they charge this way like car rent 2000 per day, with insurance 2500 per day same car,
& term & conditions are here
if car hit or there is any engine/suspension problem etc, you have to pay till 30K for small car 40K for sedan, 50K for 4X4
now like car hit 200K work if insurance company approve 200K you have to pay 50K in show room but if insurance company approve 100K then you 100K not 50K, at the end useless.
now your point why we insured our cars.
i give you a example last month my car miner hit, i get 10000 + 3days rent from costume, got clam from insurance 12500, but i get done all the work in 8500, now i save 14000, & add this 14000 in my car market value. & some time we can not able to get clam form customer in case of serious injured/death/theft etc if costumer cant able to pay we cant stop our business, then we get clam from insurance & move on