Insurance that covers car burns, theft, natural disasters, or external fires is called comprehensive insurance. If you have this insurance and your car is damaged or burned due to fireworks, the company will pay you a claim.
This Diwali, permission was granted to burn green crackers in Delhi-NCR. Following this, people burst firecrackers in large numbers. Fires were also reported in several areas on Diwali night. Firecrackers often set vehicles parked outside homes or in parking lots on fire, causing significant damage to vehicles. Consequently, many people wonder whether insurance claims can be made for firecracker-related car fires? How much support does the insurance company provide in such cases?
If your car catches fire or is damaged by firecrackers on Diwali, whether you will receive a claim from your insurance company depends on your insurance type. If you have only third-party insurance, you will not receive a claim for damage to your car. However, if you have comprehensive insurance, you will definitely receive a claim.
What is comprehensive insurance?
Comprehensive insurance covers situations like car burns, theft, natural disasters, or external fires. If you have this insurance and your car is damaged or burned due to firecrackers, the company will pay you a claim.
How to make an insurance claim?
If a fire breaks out during Diwali, you need to take immediate action. First, take a video or photo of your burning car.
This serves as evidence, which is very useful for claiming. Immediately inform the insurance company about the fire.
You must also go to the police station and file an FIR immediately. A copy of the FIR is also required for the claim.
Keep these documents ready for the claim?
To make a car insurance claim, you need a properly completed claim form, a copy of the FIR, the car’s RC, a copy of your driving license, and insurance policy documents. Along with this, pictures and videos of the fire will also have to be shown.
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