By Admin 
Car Insurance Claim Tree Damage: Even though monsoon brings relief to all of us from summer, it also brings with it many troubles. This is often seen during the monsoon season, even when the weather becomes cooler. But the tension of car owners increases. Parking a car becomes a very difficult task during the rainy season due to strong winds and waterlogging.
It has been seen many times that new cars get badly damaged after getting hit by trees. Due to which one has to face a lot of loss.
But if this ever happens to you, first contact your insurance company. So let us know today in this news that, if such an incident happens to you then how can you claim from the insurance company.
Money will not be spent from pocket
Let us tell you that, if you have got zero depreciation add-on cover in your car insurance, then understand that you are completely safe. In normal insurance, the value of vehicle parts reduces according to their age. Which is called depreciation. Let us tell you that at the time of repair you have to pay some part from your own pocket.
Whereas with zero dep cover the company pays the full cost of the replaced parts. You only have to pay a small fixed amount in the name of filing fee. The remaining major expenses are borne by the insurance company itself.
Also read: Not the engine, now Indians look at these 5 features the most before buying a car.
Correct procedure for taking claim
Let us tell you that, if a tree has fallen on your car, then immediately take photos and videos of the incident site. Photos and videos prove to be most helpful in getting the claim passed. After this, inform your insurance company about the incident within 24 to 72 hours.
Do not try to get the vehicle repaired yourself until the surveyor comes and inspects the vehicle. Get your car towed to an authorized service center only. Remember, if repairs are started without permission, the chances of the claim being rejected increases.
Take special care of these things
Some people make mistakes while making insurance claims. The biggest mistake in which is giving late information, hence never delay in giving information. The information given to the surveyor should be accurate. If the tree was on government land and you want to claim it from the government authority for compensation, then a copy of the FIR or local police report can be useful.
Always try to keep the car in a safe garage only. Finally, ensure that your premium is paid and the policy is in active mode. Because no claim is available on expired policy.
Also read: Kia Syros EV and Sorento Hybrid will be launched soon, know what will be special