How to Claim Car Insurance for Damages Due to Natural Calamity

Natural calamities bring with them a great deal of damage and loss of life and cars are equally affected in such events. This can be a source of great anxiety as they are a major purchase and essential for most of us. It is for peace of mind amid such uncertainties that we turn to insurance for our vehicles. Car insurance provides compensation for damages in the case of an unfortunate event. In this article, we’ll explain everything you need to know about natural calamities and car insurance.

How Can You Get Protection Against Natural Calamities for Your Car?

Protection from Natural calamities is available for cars under the standard own-damage and comprehensive car insurance plans. These plans provide damage incurred due to all natural calamities including earthquakes, floods, cyclones, etc.

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

Post attending to medical emergencies if any due to the natural calamity, check your car for any damage. If it has been damaged, take pictures or videos, with close captures of the damaged area. This will come handy as evidence for theinsurance company when you make the claim. It is advised to keep your car in a closed and safe area post the natural calamity. Remember to not repair or tamper your car before contacting the insurance company as it could affect your claim.

How to Make an Insurance Claim If Your Car Is Affected By a Natural Disaster?

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

Step 1: Take pictures and/or a video that clearly shows the damage to the car.

Step 2: Get in touch with your insurance provider to initiate the claim process.

Step 3: Your insurance provider will specify what documents, information and/or forms you will have to fill or provide.

Step 4: The insurance company will assign a surveyor to inspect the damages of your car. The surveyor will ask you questions or for relevant details which you are expected to answer honestly.

Step 5: After successful verification, your car will be sent to a garage for repair. The claim can be settled as cashless or as a reimbursement depending on the garage chosen by you.

Conclusion

In an overview, car insurance other than third party policies covers 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 vehicle. Lastly, remember to not tamper with your car or repair it before talking to your insurance provider, 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.