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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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It is a rainy season that these days you must get to see waterlogging, mud and slippery on the streets. Sometimes the risk of loss of cars also increases due to this. From enters the engine to rust, the monsoon brings many challenges to your car. So how to protect your car from getting spoiled in this season and which rider is necessary in insurance, let’s know about it.

Follow some important tips in the rain

You can adopt some important tips to protect the car from spoiling in the rain. For example, roads become slippery in the rain, so the grip of tires should be good. If the tires are worn out, get them replaced immediately. Drive slowly to avoid slippery and avoid applying brakes suddenly. For better vision in the rain, it is necessary to fix the windshield wiper. If the wiper blades are old or bad, get them replaced. Avoid driving in deep water, especially if the water is above half of the wheels. There is a risk of rust on the body of the car in the rain, in such a situation, wash the car regularly and wipe it with a dry cloth.

Now let’s talk about rider

Insurance can be your biggest support due to damage to the car in the rain, but for this it is necessary to take the right policy and rider. In car insurance, rider is an additional cover or add-on, which you can add to your existing insurance policy. This further strengthens your standard policy and covers the special disadvantages that do not involve in general insurance.

Which rider is the best in the rain

The engine protection rider is most important for the car in rain. If your car sinks in water or hydrocks by entering the engine, the engine protection rider covers the cost of repair. General third-party insurance or standard comprehensive policy does not have an engine damage cover. Therefore, take this rider with comprehensive insurance. Apart from this, the rider covers the entire cost during the rider repair in the depication cover, without decreasing the depression. It is useful for scratch or other damage caused by rain. The accessory protection covers the car’s music system, AC or other additional fittings in the protection cover.

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Car insurance tips: Yesterday in Delhi-NCR, the sudden revenge of the weather became a problem for the people. The strong thunderstorm and strong rains in the evening disturbed life. In many places trees were uprooted, electric poles fell. Traffic system collapsed in many cities. The movement of trains became difficult due to filling water on the roads. Many vehicles were damaged due to strong winds and falling trees.

The vehicles which were standing in the open were very damaged. Some glass broke, and body damaged somewhere. In such a situation, it is bound to raise the question in the minds of many people whether insurance is found in the loss caused by the storm or not? Let us tell you that if the car is damaged due to storm, rain or natural disaster. So whether an insurance can be claimed or not. Learn what its rules are.

Will the car damage due to rain storm?

Third party insurance has been implemented for all vehicles in India. Third party insurance benefits only when you join a road accident. In such a situation, third party insurance does not allow financial burden on you and also protects you from legal liability. In this, you do not get any benefit directly. But your loss is saved.

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But if your car is harmed by rain and storm. Then in such a situation, you do not get anything in third party insurance. Because this insurance is only useful at the time of accident. If you need a claim in damage caused by natural disaster like rain storm. Then the car will have to be insured separately.

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Insurance will be available in Comprehension Policy

If you want to compensate for the damage caused by rain and storm. So you have to take a composite insurance policy. If you have taken a composite insurance policy. So only you can claim such problems. Let us tell you that in the compressive insurance policy, you get insurance on the loss due to natural disasters due to bad weather.

In this, you can also claim the loss of fire, floods and the loss of the theft of the car. Let me tell you if you have taken the engine protection add on cover. So you can claim the engine damage.

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