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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Delhi Red Fort Blast: Big news has come out from the country’s capital Delhi. Here on Monday evening, a high intensity blast took place in a car near the Red Fort. After this blast, many cars caught fire, due to which so far eight people have died and many people are said to be injured. Officials present on the spot say that the death toll may also increase. Along with this, a high alert has also been issued in the entire Delhi and surrounding states.

After the cars got damaged in this blast in Delhi, a question arises that if your car also gets damaged in such a blast or man-made disaster, then can an insurance claim be made? Let us know what are the rules of insurance companies related to this?

What to do during such an incident?

Insurance experts say that it becomes a bit difficult to make an insurance claim in a situation like war or blast. In such a situation, if such an incident happens to you, then first of all ensure your safety and collect all the evidence. For example, take photos of the car from every angle, collect photos and videos of the surroundings and do not tamper with your car at all. After collecting all the evidence, first file a police FIR and then inform the insurance company about the incident through phone or email and send them all the evidence along with the FIR copy and other necessary documents.

Claim is not available in these circumstances

According to insurance experts, most insurance companies accept insurance claims in cases of natural disasters like flood, rain, lightning or earthquake. Apart from this, insurance claims are also accepted in case of man-made disasters like fire, terrorist incident or riot. However, motor insurance also has an exclusion clause, under which certain specific cases are kept out of the scope of insurance. This includes incidents like war situations, military actions, bomb blasts, bio-chemical attacks. This clause was introduced after the terrorist attacks in New York on September 11, 2001 and its purpose was to save insurance companies from bankruptcy.

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Utility photo gallery

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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