Questions

All vehicle insurance policies will now include personal accident cover worth Rs 15 lakh in case of the death of the owner while driving or riding. This new rule will help the families of accident victims especially two-wheeler riders who are most of the time under-insured. The Insurance Regulatory and Development Authority (IRDAI) in a circular has directed all third-party insurance companies to include this cover to vehicle owners-drivers of all vehicles (two-wheelers, three-wheelers, passenger vehicles and commercial vehicles) for an additional premium of Rs 750 per year (annual insurance policy). This will now be part of the mandatory insurance cover that is a must for all vehicle owners. 

Besides  some  federal  features,the Constitution of India also has some unitary  features  as  well.  All  States have  no  equal  representation  in the  Rajya  Sabha,because  in  India the states are given representation in the Rajya Sabha on the basis of population.  Hence,  the  number  of representatives  varies  from  state to    state, for    instance,    Uttar Pradesh  has  31  members  whereas Tripura  has  only  1  member.This principle    is    considered    as    a safeguard    for    smaller    states.States  in  India  also  have  no  right to territorial integrity. The Parliament  can  change  the  area,boundaries  or  name  of  any  state by unilateral action, So the consent of   a   State   is   not   required   for altering  its  boundaries,Moreover,despite dual Polity,the Constitution  of  India  adopted  the system  of Single citizenship.There is  only  Indian  citizenship  and  no separate state citizenship.