Does Car Insurance Cover Car Damages Due To Riots?
Published On Jul 27, 2021 11:00 AM By InsuranceDekho
Read this article to know if your car insurance policy covers the cost of repairing the damages sustained by your car due to riots.
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Being a vehicle owner in India has its advantages and disadvantages. You can travel from one location to another using your own vehicle. However, there are some drawbacks to driving on Indian roads. Road accidents are common as a result of congested roads. There is also the possibility of theft, fire, riots, and natural disasters. All of this can damage your vehicle to the point where repairing it will put a serious dent in your bank account. That is why it is advisable to purchase comprehensive car insurance from a reputable insurer in order to obtain financial assistance to help you cover the costs of repairing the damages caused to your vehicle.
Riots And Car Damage
You may be the best driver in town, but that does not guarantee that your car will be free of damage. There may be times when your car is severely damaged through no fault of your own. A tree's trunk, for example, can fall on it and break the windshield. Flash floods can be devastating. It can also be parked in an area where there has been a riot. You may be wondering if your car insurance covers riot damage or other similar incidents. For the answers, continue reading.
A riot can cause serious damage to your vehicle or its parts, such as the engine or windshield, or in the worst-case scenario, it can be burned to ashes. All of this damage can be caused by stone-pelting, fire, and other factors. However, if you have comprehensive car insurance on your vehicle, you won't have to worry because it covers damage caused by riots. It is important to remember that compensation for riot-related damage is not covered by third-party car insurance. A comprehensive insurance plan will provide you with coverage, but you must provide the following documents -
1. FIR Copy
2. Report of the Fire Department
3. Copies of Two Wheeler Insurance
4. Claim Form that is completely filled.
5. Original Replacement and Repair Bills for Damaged Parts
6. Newspaper Cutting From The Day The Riots Occurred
What To Do When Your Car Is Damaged Due To Riots?
Riots, civil disturbances and other forms of social disturbances can turn violent within minutes. When such situations spiral out of control, they can result in catastrophes and cause many casualties. If you have parked your car in a riot-prone area, the first thing you need to keep a constant check on is your safety. Ensure the safety of your car without putting yourself in danger's way. Insuring your car with a reliable car insurance company will help you arrange money to repair any damages that are a result of such riots. In case your car has been substantially damaged, don’t drive it around. Collect evidence in the form of pictures and videos to proceed with filing the claim.
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Taking note of the damages sustained by your car and the cause will also prove of great assistance. Take images of the car that has been damaged. When you are filing a claim, it is also advantageous if you take a brief video of the damages sustained by your car.
Therefore, you should notify your car insurance company as soon as possible after an incident like this. Delay in filing a car insurance claim will be accommodated if the policyholder or owner/driver has sustained bodily injury. In most cases, you must notify the insurance provider as soon as possible. They will walk you through the steps of claiming your car insurance once they cross verify the incident with the claim report and approve your insurance if it adheres to the policy’s conditions.
Also Read:- Parameters To Consider While Purchasing Car Insurance In India
Having a comprehensive car insurance policy will help you financially if there is any damage sustained by your car due to riots. Make sure to be truthful about the incident and carry all the required documents in order to avoid rejection of your claim and drive safely.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.