Published On: Thu, Mar 1st, 2018

How to File a Car Insurance Claim for a Loss Due to Natural Calamity?

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Mother Nature’s wrath can be as havoc as the explosion of an atom bomb. During natural calamities, it’s not only loss of life, but there can be a loss of property and vehicles as well.

In the aftermath of natural calamities, for instance, earthquake, flood, like situations, there can be damage to the car body, engine or other parts. But if you have the right car insurance coverage selected before the natural calamity strikes, you can approach your insurer and get the coverage.

Here is the procedure that you need to follow to file a car insurance claim in case you are the victim of natural calamity.

What is Covered?

Motor insurance companies in India offer coverage for any loss or damages caused to the insured vehicle, however, they cover only a certain type of natural perils. Here are some of the natural disasters which are covered by the insurer:

  1.   Fire, explosion, lightning, self-ignition
    b.   Earthquake
    c.   Flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
    d.   Landslide and rockslide

You can file a claim under your car insurance policy if your car is damaged in natural perils, like the car got damaged or washed away due to heavy flood, or serious damages to the car body due to tree fall, or damages caused to windshield due to object strike in flood, earthquake, etc.

Procedure involved in filing the claim with the car insurer in India

In case of natural perils, like heavy rain, earthquake, flood, etc.; the policyholder should immediately inform the car insurer about the incident, and the losses or damages occurred.

 

If you are not reachable on the number that you have mentioned in the policy document, give your insurer the number of a friend or family member who is nearby and unaffected by the calamity.

 

Do corporate with the insurer’s surveyor who would come to take the stock. The insurance company inspects the loss or damages and estimates the repair costs. In case you get your car repaired on your own without informing the insurer, the insurance company can reject your claim. The reason is simple— the insurer will not be able to find out the traces of damages. Therefore, before you initiate the process of cleanup, inform the insurer and take some pictures of the losses or damages.

 

Claim in case of total loss

Cases where the vehicles have been completely washed away, insurers will consider them as the case of ‘complete loss’. In this case, the insurer will make payment of the full insured declared value (IDV) after deducting depreciation.

 

What is not covered?

Usually, car insurance companies mention about their exclusions in their policy documents. There are certain situations in which the insurer might refuse to come to your rescue even though you have bought comprehensive car insurance from them. Usually, these cases remain same for all insurance companies:

  1. A policyholder needs to prove that the losses or damages to the vehicle happened immediately. In case the insurer finds it, otherwise, your claim can get rejected.
  2. The insurer doesn’t cover losses or damages caused to the engine while driving through waterlogged However, if you have taken an engine protector as an add-on, you will get coverage.
  3. Depreciation on rubber parts, plastic parts, tyre, etc.; are not covered by the insurer. However, if you have bought a zero-depreciation cover rider, the insurer will pay.
  4. The insurer will not cover damages caused to electrical accessories unless electrical accessories cover has been added to your car insurance plan.
  5. Features like on-the-spot assistance will not be covered unless your insurance policy has covered roadside assistance coverage.

 

Be Prepared

It is good that you have bought the car insurance plan but buying only doesn’t guarantee the coverage from the insurer. So, read your policy document carefully before moving ahead.

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