If the car gets damaged after colliding with a cow, the claim depends on your policy. You will not get any claim in the third party policy, but if you have a comprehensive policy, the insurance company will compensate for the loss.
Cattle roam fearlessly on the roads of our country. Be it a village or a city, a local road or a highway, stray bulls and oxen keep roaming on them. Stray animals have not only become a problem for the drivers, but are now becoming a life-threatening threat. Heavy animals like cows, bulls and oxen suddenly come in front of the vehicle anywhere and the vehicle gets into an accident.
In such accidents, not only the vehicle suffers heavy damage, but the vehicle riders also lose their lives. In such a situation, the question arises that if the vehicle gets damaged after colliding with a cow or a bull, does the insurance company compensate for the damage caused to the vehicle?
In such cases, whether the insurance company will give a claim or not depends on which insurance policy you have taken. If you have taken a third party insurance policy for your vehicle, then the insurance company will not give you an insurance claim. But if you have taken a comprehensive insurance policy for your vehicle, then it is a matter of relief. Because in this policy the damage caused by animals is covered.
This means that if your car collides with a cow, bull or ox and is damaged, the insurance company will give you a claim. That is, the cost of repair will be reimbursed by your policy. Third party insurance only covers damage to another person or vehicle. Damage to your own vehicle is not covered under this policy.
Always buy a comprehensive policy
If you want to avoid such losses, you should buy a comprehensive policy. This policy also compensates for damage to the car due to natural disaster, theft or fire. Comprehensive policy also covers damage caused by small animals like rats, cats and dogs. Almost all types of damage are covered in this policy.
Keep these things in mind while buying a policy
While buying a car insurance policy, keep in mind what all things are being covered in the policy. You can compare the policies of many companies. Buy a policy from the one where you have to pay a lower premium with better cover. While buying vehicle insurance, also keep in mind the claim settlement ratio of the company. Take the final decision only after being satisfied in all respects.
