Car Insurance Claim: Due to storm and rain, trees fall and cause heavy damage to vehicles. In such a situation, do insurance companies give claims to compensate for this loss? Let’s find out.
These days, it is a time of storms and rains in the whole of North India. Many times, due to strong winds, trees get uprooted and fall on the roads, causing heavy damage to the vehicles parked on the roads. Many times, the entire car gets damaged due to the falling of large branches of the tree. In such a situation, a question arises in the minds of many people that in this situation, will the insurance company give a damage claim to repair the damage caused to the car? So let’s try to find the answer to this question.
Overall coverage is available in this policy
If you have car insurance, you can avoid many expenses on the car. Damage caused by natural disasters is also covered in it. The insurance company also covers damage to vehicles due to many disasters like storm, heavy rain, land slide and earthquake. However, for this it is necessary for you to have the right insurance policy. Damage caused by natural disasters is covered in a comprehensive insurance policy. If you have taken a comprehensive insurance policy for your car, then you can claim damage caused by fire, flood, storm or theft.
Keep these things in mind while taking insurance
It is very important to keep some things in mind while taking insurance for car-bike. If you live in a city of the country where situations like rain, storm or flood often arise, then taking comprehensive insurance would be a better decision. Along with the standard comprehensive policy, you can also take add-on covers like zero depreciation and engine protection cover. The reason for this is that damage to the engine due to water is not covered in the standalone policy. So if you have taken an add-on cover for engine failure, then you can make a full claim from the insurance company.
Keep in mind that while taking any kind of insurance policy related to the vehicle, read its documents completely. See what things the company covers in the policy you are buying, so that you do not have to face trouble later.
Is third party insurance beneficial?
The insurance company can help you in this matter, but there is a problem in it. Third party insurance is for compensating the damage caused to the third party. If your vehicle causes damage to someone, then in this situation third party cover is useful in compensating that person. It is mandatory to take third party insurance while buying a new vehicle.
