Diwali Car Insurance Claim : When a fire breaks out in a car due to fireworks during Diwali, car owners wonder whether it will be covered under insurance. Let’s find out the answer.
Diwali Car Insurance Claim: Diwali is a festival of lights and joy. On this occasion, many people set off fireworks and firecrackers at night. Some of these firecrackers may inadvertently explode near vehicles, setting them on fire. This fire often causes significant damage to vehicles. This raises the question: will insurance companies cover firecrackers that cause a fire? Let’s explore the answer to this question.
Whether an insurance company covers a car fire depends on several factors, including the type of insurance policy you choose. In fact, claims for firecracker-related fires are covered under comprehensive insurance. Simply put, if a car is damaged due to a disaster like theft, fire, natural disaster, or external fire, such claims are covered under comprehensive insurance.
What to do immediately after a car fire?
If your car catches fire due to firecrackers during Diwali, first take a photo and video. These photos and videos will strengthen your claim. Additionally, you must immediately inform the insurance company about the accident.
Note: The most important document for an insurance claim is a copy of the FIR. Therefore, immediately inform the police of the fire. Also, file an FIR. Furthermore, if you have only third-party insurance, you will not be eligible for a claim for damage to your car. This claim is only covered under comprehensive insurance.
Required Documents for an Insurance Claim
- Filled Claim Form
- Copy of the FIR
- Car’s RC
- Copy of Driving License
- Insurance Policy Documents
Photos and Videos of the Incident
After you file a claim, the insurance company will send a surveyor to conduct a survey. He will inspect the condition of the car and prepare a report. After the report is generated, the insurance company will inform you if you can have your car repaired. The insurance company will cover the cost of the repairs.
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