Car Insurance Rules: Nowadays, almost everyone has a car and everyone likes their car very much. People consider it not just a means of travel but also a part of their hard-earned money and status. Many times when people are going out for a walk, they park their cars in the parking lot.

In such a situation, when a scratch suddenly appears on a car parked in the parking lot, it is natural to feel heartbroken. Many times they get attached to children while playing scratch. Then the biggest question is whether an insurance claim will be received in such a situation or not. Let us tell you information about this

Rule for claim on scratches caused by children in parking?

If your car was parked in the parking lot and it got scratched because of children, then it is generally considered as accidental damage. Getting a claim in such cases depends on which insurance you have. If you have only third party insurance on your car, there will be no claim for scratches or body damage. But if you have taken a comprehensive or bumper to bumper policy.

So a scratch claim can be made. It is not necessary to prove the age of the children, their intentions or their mistake. What matters to the insurance company is that the loss occurred suddenly and unintentionally. Although very light scratches, which do not show any significant damage to the paint or body. Sometimes the company may even dismiss them as wear and tear.

What things should be kept in mind while making a claim

If you want to make a scratch claim, it is important to keep a few things in mind. First of all, take a clear photo of the damage immediately. So that there is no dispute later. Also keep a photo of the parking area. So that it could be proved that the car was standing. If the scratch is too deep or the paint has come off. So it is beneficial to register a general diary or a simple complaint in the nearest police station.

Provide correct information while making claim. Do not tell a false story or claim a major accident. Along with this, also understand that making a claim may void your no claim bonus. Sometimes it is a wiser decision to spend out of pocket for small scratches. Therefore, before making a claim, calculate the repair cost and loss of bonus.

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Car insurance rules: The delivery day of the new car is special for every customer. But if there is an accident during this time, then the problem increases equally. During this time, the biggest question arises that in such a situation, who will compensate for the loss and whether insurance will work immediately? Or you will have to invest money from pockets.

Recently, a similar incident occurred in construction Vihar in Delhi when the car fell down from the first floor at the time of delivery of a new Mahindra Thar. For this reason, this question is arising in the minds of the people that if it takes out the car from the showroom, it becomes an accident. So who will compensate him in such a situation? Know what are the rules about this.

Who will make up in such a case?

If a person comes out of the showroom with a new car and immediately gets an accident. So first the question arises as to who will compensate. According to the law, as soon as the delivery of the vehicle is complete, the customer gets RC, insurance and key. So the responsibility comes on that. If the insurance of the vehicle is active at that time, then the insurance company compensates the loss and the customer can file a claim.

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But if registration and insurance documents are not ready and delivery is incomplete. So responsibility is made of a showroom or dealer. This is the reason that dealers usually insure the vehicle before delivery. So that in such a situation the customer does not have to face trouble.

How to get claim?

The insurance of the new car is mostly activated before the showroom delivery. Therefore, if the accident occurs as soon as you leave the showroom, then the claim is available. For this, the most important thing is to give information about the accident to the insurance company immediately. If needed, a police report has to be done and along with the pictures of the car loss and the necessary papers.

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The insurance company sends surveyor which assesses damage and then the claim process begins. During this time, if you provide all the documents and correct information on time, then the claim is easily approved. This is the reason that remaining insurance active before delivery proves to be very beneficial for the customer.

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