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How to claim car insurance due to hurricane damage?


How to claim car insurance due to hurricane damage?

Car insurance covers your losses caused by a disaster. Read everything you need to know about natural disasters and vehicle insurance in this article.

Natural disasters may strike at any time and cause chaos with their property when you don't expect it. Nature's wrath may be as terrifying as a big bomb explosion cars are undoubtedly one of our most valuable assets. As a result, it is important to ensure that our cars and other valuables are safe when natural disasters such as earthquakes, floods and storms occur.

Steps to claim damages for car damages due to natural calamity

If your car or motorcycle is damaged by natural disasters and you have individual damage or comprehensive coverage, you can easily file a claim with your insurance company. Due to the epidemic, the insurance sector migrates online, so you can submit your claim directly on the insurance company's website. The Insurance Regulatory and Development Authority of India has directed insurance companies to hire people from the contract to help receive, process and pay invoices. Here's what to do if your car is damaged:

Inform insurance immediately

If a tree or pole falls on your car, resist the urge to cut it. Alternatively, contact your insurance as soon as possible - preferably within 48 hours - and provide them with information about your car and your policy number.

Don't start your car.

Don't try to run your car if it's flooded. In most cases, insurance companies will not cover the damage caused by trying to operate the submerged car engine.

Take photos of the guide

To evaluate your claim, the insurance company will ask you to share or send photos of the damaged car. Take as many images as possible, clearly and comprehensively illustrating the damage. Remember that these photos will be the only clue you have once you move the car to a nearby garage. As a result, it is recommended to take as many photographs of the damage as possible and keep them safe until the claim is fully processed.

Allowing time for support

Insurance companies have partnerships with garages across the country. Upon notification, they will send service personnel from the garage to tow and verify your vehicle. The garage will analyze the damages and costs before notifying the insurance company. The insurance company will pay the fees based on your insurance coverage and the amount of the claim. Needless to say, if some components that are not covered by the policy are destroyed, the owner will be responsible for the costs of repairing those specific parts.

A surveyor could be needed

A surveyor can be called to examine the damage to large SUVs, luxury cars, or a motorcycle. This is often done in circumstances where the claim value exceeds Rs. 50,000. If damage expenses exceed 75% of the declared insured value, the vehicle is considered a total loss, and IDV is calculated using vehicle consumption. Even if the settlement amount is lower than you would pay for the car, it will still be lower than you would have spent for it. You can add an invoice cover to your regular car or motorcycle insurance policy to get the full amount you paid for the car. This is especially true if you have a new car.

Don't fix it before you call your insurance company.

You may have to remove the blockages yourself in an emergency before taking the car to a certified service center. However, be sure to get invoices for all the work you have done. Also, always take your car to a certified service center. Otherwise, your claim may be rejected. Damage images will be useful here because after repairing your car, there will be no evidence in the event of a subsequent dispute.

Take away

While insurance is basically a visionary financial safety net, you can only take advantage of it if you follow the established procedures. Storms are expected to become more common, and claims may soon become completely digital. While these extreme weather events may chew a lot of your time, it's important to know how to get the most out of car or motorcycle insurance coverage to avoid more Financial losses. While keeping you safe at home, make reasonable decisions using your car insurance policy and get extensive coverage to protect yourself from such situations.

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Disclaimer: This article is published in the public interest and is intended for public information purposes only. Readers are advised not to rely on the contents of the article as crucial in nature, and further research or expert consultation should be conducted in this regard.