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| how to get insurance if car or bike flooded in water in india |
Guide to Insurance Claims for Flood Damaged Cars
The occurrence of natural calamities is uncertain and are available with none prior warning. This year’s heavy monsoon cause floods in many cities in our country. The wrath of monsoon flooded the streets, causing damage to cars, along side the infrastructure.
Imagine watching your car, the one that you simply purchased after years of saving your hard-earned income, damaged thanks to heavy rainfalls. However, if you've got motor coverage , you would like not worry about loss caused to you thanks to the damage.
So, the question is - do all insurance policies provide compensation for flood-damaged cars? If yes, then what's the standards and therefore the process to file a claim for the same? within the below read, we'll understand intimately about the coverage for flood-damaged cars and step by step guide to say it.
Types of Car Insurance Policies:
1. Third Party Insurance
A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.
2. Comprehensive Insurance
A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.
Steps to Register an Insurance Claim for Flood-Damaged Cars:
Here’s a step-by-step guide to registering a automobile insurance claim (The process can vary between insurance firm and if it’s online or offline
Step 1:
Call the toll-free/landline number of your insurance firm .
Step 2:
Provide all the specified details to your insurer also as details about where your car was parked and inform if you were driving the car when it broke down or otherwise.
Step 3:
After the insurance firm takes all the required information, they’ll provide a Claim license number , which acts as a reference number to follow-up.
Step 4:
The insurer will provide a scheduled time to pick-up your car and tow it to the garage.
Step 5:
A surveyor are going to be assigned by the insurance firm to assess the entire damage to your car. After analyzing the extent of the damage, the garage service team are going to be consulted, and you’ll be told about the claim amount payable towards the repair of your vehicle. You’ll even be informed about the share of the quantity that you’ll need to pay. confirm the claim approval should be as per the terms and conditions of the policy . just in case you discover that your claim isn't well substantiated, consult the surveyor and lift issues, if any.
Step 6:
in any case the problems are resolved, sign the claim approval sheet and retain one copy for your future reference.
Step 7:
determine the timeline by which your car are going to be repaired and delivered to you. Also, you'll call the garage and determine the present status of the repair as a follow-up.
Step 8:
Upon the car being repaired, make sure you check the checklist of the repairs on your damaged car. Once you’re satisfied with the work, pay the differential amount arising after the insurance firm has settled the claim.
Step 9:
Sign the ultimate set of papers and take delivery of your car.
If you’ve opted for a cashless policy , then the insurance firm can pay on to the garage service team. confirm you purchase comprehensive insurance for your car along side the specified Add-ons to enjoy added coverage.
