Diwali crackers ruined your car? This is how you can get insurance cover
If the car gets damaged due to Diwali crackers, does the insurance company pay for it? If you are also worried about this, then this information is for you. Here, know how you can ask the insurance company for a cover claim without any hassle after the car gets damaged. Understand the full details of the situations in which your insurance claim can be rejected.
If you have a car in your house and people in your street also burst fireworks and crackers on Diwali, then this information will be useful for you. Know here whether the company provides insurance cover for the car damaged by firecrackers or not. Apart from this, how can you claim and in which situation your insurance cover can be rejected.
Without getting into all this hassle, know here how you can ask the insurance company to compensate for the damage caused to your car.
What is a car insurance policy?
There are three types of car insurance policies: third-party car insurance, standalone policy (own damage) and comprehensive car insurance. Damage to your car due to fire or blast is covered in comprehensive and standalone car insurance policies.
Claim for insurance cover?
If you want to get cover for your car from the insurance company, then you have to keep some things in mind. For this, as soon as you see damage in the car, the first thing you have to do is inform the car insurance company and the agent about it. This will help you quickly and the agent will be able to make arrangements for it immediately.
It is very important to file an FIR
Keep one thing in mind that you must register an FIR for your car. Inform the police about this matter, the police will register the FIR after taking complete details. Actually, normally if the car is damaged by fire, then insurance companies ask for an FIR, through this they get help in knowing the correct details of the date, time and place of the accident.
If the inspection confirms that your claim is correct, then the insurance agent will start the documentation. After the documentation is complete, the insurance agent covers the claim.
Why does insurance claim get rejected?
If the car catches fire due to a spark from the car's battery or any fault in the electric wiring system, the cover claim is rejected.
Apart from this, if a fire occurs due to a mistake while changing or setting the AC or LPG gas kit, then the insurance company rejects the claim.
If the car is damaged due to any internal issue, oil leakage or any problem like overheating, then insurance cover is not available.