What insurance money will you get if your car gets burnt due to firecrackers on Diwali? Know what the rules say

If a car catches fire due to firecrackers on the day of Diwali, it may get damaged. So in such a situation the biggest question arises whether the insurance company gives claim in such a situation or not? Let us tell you what are the rules regarding this.

If your car or bike is covered under comprehensive insurance policy. So a claim can be made on the damage caused by firecrackers. In this policy, damage caused by fire, blast, lightning or any external reason is covered.

That is, if a car catches fire due to a burning firecracker. So the insurance company can bear the cost of its repair or replacement. Provided you have followed all the rules. Whereas if you have only third party insurance. So there will be no claim for personal damage to the vehicle on Diwali.

Third party policy is only for loss or injury caused to a third person. Not for your car. Therefore, if you want to keep your vehicle completely safe, then taking comprehensive coverage is the right option.

If the vehicle is damaged by firecrackers. So keep photo and video evidence immediately. After this, inform your insurance company immediately. If there is major damage to the car, then it may be necessary to file an FIR or a fire brigade report.

After investigation, the company decides how the loss occurred and whether it is covered under the policy or not. If in the investigation it is found that you yourself lit firecrackers near the vehicle or were negligent in parking. Then the claim may be rejected.