Many times, cars are damaged due to bursting firecrackers on the road. You may have heard of incidents where some firecrackers accidentally fell under the car and caused the car to catch fire.
Diwali has begun. Due to this, lights are now visible outside every house. Moreover, people have now started bursting crackers. Different types of crackers are available in the market. Therefore, children come out on the streets and burst them. Seeing that, crackers cause pollution, so it is better not to burst them. But now it is being said that some pollution or smokeless crackers have come into the market.
Many times, cars are damaged due to bursting firecrackers on the road. You must have heard of incidents where some firecrackers accidentally fell under the car and caused the car to catch fire. At such times, every car owner feels scared and the question arises that if my car catches fire due to firecrackers, will it be cleared in the car insurance?
Generally, fire is a covered item in a car insurance policy, if your policy covers fire, then you will get it. But the company provides insurance for certain types of fires. Insurance covers natural fires, but some companies do not provide insurance for fires caused by short circuits.
Fires caused by fireworks are a special case. Many insurance companies make decisions about this based on the terms of their policies. If a fire occurs due to fireworks, customers will have to inform the insurance company of the damage immediately.
This requires compliance with the terms and conditions of the relevant policy. In particular, the customer will have to provide information about the factors responsible for the fire.
Additionally, to assist in the insurance claim process, customers are required to provide information about how the fire started due to fireworks. This may require a witness or a police FIR. In such a situation, the insurance company may delay the claim process.
The important point is that if a fire breaks out, call the company you have taken insurance from or inform the agent you have taken it from immediately. Because you are now required to inform the company about it within 12 to 24 hours of the incident. After that, you will know whether you will get insurance or not.
