Daruka
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From my POV, I don't like credit system. But If you have urgency to buy something on credit. Then first you should manage the sources from where you would pay it. Also, create EMI's accordingly.
Recently, I took only third party insurance. I faced a lot of difficulty in getting the claim. They were asking me to pay for the painting cost which was much more higher than the body part itself.
I thought instead of paying for the painting. I would get it changed from outside.