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How to Claim Car Damages Due to Natural Calamity?

Published On Apr 04, 2021

Car insurance provides compensation for damages with an unfortunate event. In this article, we’ll explain everything you need to know about natural calamities and car insurance.

Natural disasters can strike at any moment, wreaking havoc on your possessions when you least expect it. Nature's fury can be as frightening as a huge bomb going off. There's no doubt that cars are one of our most valued possessions. As a result, when natural disasters such as earthquakes, floods, and storms hit, it is important to ensure that our cars and other belongings are safe.

How to Claim Car Damages Due to Natural Calamity?

Which Car Insurance Policy Covers Damages Due to Natural Calamity?

Natural disaster coverage is included under standalone own-damage and comprehensive car insurance policies. These policies include damage from all natural disasters, such as earthquakes, flooding, and cyclones.

What Should You Do If My Car Is Damaged in a Natural Disaster?

Check the car for any damage after attending to any medical emergencies that could have arisen because of the natural disaster. If it has been destroyed, take photographs or videos of the area that has been damaged. When you file a claim with your insurance company, this will come in handy as evidence. Following a natural disaster, it is recommended that you park your car in a secure and safe place. It's important to note not to fix or tamper with your car before calling your insurance company, as this may jeopardise your claim.

How To Claim Car Insurance For Damages Incurred In A Natural Calamity?

The following is the procedure to start a claim for your car affected by a natural disaster:

  • Take photos and/or a video that reveals the car's damage
  • To begin the claim procedure, contact your insurance company
  • Your insurance company will tell you what documents, records, and/or forms you need to fill out or apply.
  • The insurance company may assign A inspector to inspect the damages to the car. The inspector will ask you questions or request relevant information, which you must answer truthfully.
  • Your car will be sent to a garage for repair after good verification. Depending on the garage you want, the claim can be settled cashless or as a refund.


All car insurance policies other than third party policies cover the costs of damage in case of natural calamity. However, these claims are subjected to the terms and conditions of the policy. In the event of a natural calamity, remember your safety and those around you is of the utmost importance, hence, check your car only after it is safe to move out. To claim for damages it is best to take a video or pictures as soon as you can get to the car. Lastly, remember to not tamper with your car or repair it before talking to your insurance company, it could affect your ultimate claim amount.

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.

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