look news india
Car Insurance: Rain has brought relief to people suffering from heat, but this first rain has also become a disaster for some cities. In many cities, roads have cracked due to rainwater and cloudbursts have occurred in some places. People are protecting themselves from this sudden rain. But often the vehicle suffers heavy damage. If the vehicle gets damaged due to rainwater, then insurance can cover it as well.
At this time, flood-like conditions have arisen in many states and not only life and property but also expensive vehicles are getting damaged. So let us tell you today how to get compensation from the insurance company if the vehicle is damaged due to rain.
Monsoon rains are continuing. Heavy rains in many states including Uttarakhand, Gujarat have caused flood-like conditions in many places. There have also been videos in which vehicles are sinking or have drowned in flood water. Find out what procedure should be followed for insurance if your car gets damaged due to a natural disaster.
How to make a claim for insurance
– First of all, register for a claim on the toll-free number of the concerned insurance company using your policy number.
– Download and fill the claim form from the company website. Collect all the documents and submit the claim form.
– After the claim application, the company surveyor or video surveyor will come for inspection. During this time, keep all the documents with you.
– After the survey of the vehicle is done the surveyor will file his report and after doing so your claim will be processed.
Keep this in mind while taking insurance
Even today very few people know that there are many types of insurance. Keep some important things in mind while buying motor insurance so that you can get compensation from the insurance company even for damage caused by rain.
– While taking insurance, it is important to insure not only against theft or damage to any part but the insurance you buy will also cover rain. To avoid such damage, you should buy a car insurance that also includes heavy engine cover. Engine shutdown due to natural disaster is called hydrostatic lock. In such cases, insurance companies do not approve the claim as it is put in the category of accident.
What is Comprehensive Motor Insurance?
As per the Motor Vehicles Act-1988, damage caused by flood, rain, storm or any other natural calamity is covered under damage cover. So, choose an insurance policy that has an engine protection add-on option. If you have taken comprehensive motor insurance for your vehicle, you can claim against any natural calamity such as storm, cyclone, hurricane and hailstorm caused by rain or flood.
This is how the two components of insurance work
This policy has two components. One on damage and the other on third party cover. On damage covers the damage caused to your car due to disasters or other reasons and the insurance company pays for your loss. It is usually seen that the engine of the car also causes serious damage to its body due to being stuck in rain or flood water. However, there are many insurance policies available in the market that cover such damage. You just need to keep your eyes and ears open while taking insurance. Then you can easily claim the damage.
