How To Claim Car Damages Due To Natural Calamity Under Car Insurance?
Updated On Oct 15, 2023
Read this article to find out how you can claim your car insurance policy for any damage sustained by your car due to a natural calamity.
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Natural disasters cause a huge deal of destruction and loss of life, and cars are no exception. This can be a source of significant anxiety because they are such a large and necessary investment for most of us. We resort to car insurance for peace of mind in the face of such uncertainties. In the event of an accident, car insurance compensates you for your losses. You may learn how to file a claim for your car insurance in such sad circumstances in this article.
Natural Calamities And Car Insurance
Natural disaster coverage is included in most standard own-damage and comprehensive car insurance policies. These plans include damage from all-natural disasters, such as earthquakes, floods, and cyclones. After addressing any medical emergencies that may have developed as a result of the natural catastrophe, inspect your car for any damage. If it has been harmed, take photos or videos of the area that has been damaged. When you file a claim with your insurance company, this will come in handy as proof. Following a natural disaster, it is recommended that you park your car in a secure and safe location.
One thing that you must keep in mind while claiming your car insurance is the extent of its coverage. The situations covered by the insurance plan completely depends on the type of policy that you chose and the additional covers. If you have chosen a third party car insurance policy, you will not be getting your claim settled for damage caused due to a natural calamity. A third-party liability policy is meant to provide protection from the financial liabilities that arise to compensate for the loss of the third party in case of an accident.
However, if you happen to have a standard comprehensive car insurance policy or standalone own-damage car insurance, you can file a claim settlement without worry. This is because a comprehensive cover or own damage cover offers protection from damages sustained by your car because of events other than collisions like fire, natural calamities, vandalism and even theft. This is a major reason why you need to purchase a policy that offers adequate coverage that you need.
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How To Claim Car Insurance For Natural Calamity?
You can file a claim settlement online and complete the investigation process using a self-inspection method. The method for filing a claim for damage caused by a natural disaster is as follows -
Step 1: Photograph and/or videotape the damage to the car.
Step 2: Contact your insurance company to begin the claims procedure.
Step 3: Your insurance company will tell you what documents, information, and/or paperwork you'll need to fill out or submit.
Step 4: A surveyor will be assigned by the insurance company to inspect the damages to your car. The surveyor will ask you questions or request pertinent information, which you must respond to truthfully.
Step 5: Your car will be transported to a garage for repair after successful verification. Depending on the garage you choose, the claim can be resolved cashless or as a reimbursement.
In general, car insurance that is not limited to third-party plans covers the costs of damage in the event of a natural disaster. These claims, however, are subject to the policy's terms and limitations. In the event of a natural disaster, remember that your safety and the safety of people around you is paramount; thus, check your car only after it is safe to leave. It is best to take a video or images as soon as you can get to the vehicle in order to file a claim for damages. Finally, remember not to tamper with or fix your car before speaking with your insurance company, since this could affect the amount of your final claim.
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.