Car Insurance: In the rainy season, the cool breeze and the fun of traveling around in the greenery with a car is something else, but along with enjoying this season, you should also be careful. Recently there were reports of heavy damage to vehicles due to falling stones due to landslides due to heavy rains in Himachal Pradesh. In the rainy season, the problems of falling trees on the car or getting stuck in the waterlogging of the car are commonly seen. To keep your car safe in such situations, you need to have insurance and it is also important to make sure that your insurance covers the damages caused by such calamities.
Comprehensive insurance will come in handy:
You can claim the insurance company in case of damage to your car due to heavy tree fall, landslides and water logging during the rainy season, or damage to your car due to natural calamities like earthquake, flood, storm, but subject to the condition that You should have a comprehensive policy. Third party insurance alone does not cover damage to your car due to natural calamities.
avoid this mistake
Since third party insurance is a statutory requirement for all vehicle owners as per the Motor Vehicles Act, many people buy this plan. But, if you are going to travel a long distance in your car, then it is not right to have only third-party plans. You should take comprehensive coverage. While taking vehicle insurance, people usually think more about third party damages, but you should also consider the damages caused to the car due to natural calamities.
What to do after damage to the car:
In case of any incident, you have to make a claim to the insurance company to get compensation for the loss. You have to apply for the claim to the insurance company with name, phone number, vehicle number, registration number and other documents. Once the claim is registered with the insurance company, wait for further instructions from the company.
First do this:
You should first take a photo of your car from every angle and shoot the video. Write down the date, time and place on which the accident happened. If news has been published about this accident, then its cutting or news has been reported on the news site, then save its link.
Do not remove the car until the insurance company sends a surveyor and do not take it to the garage until the company asks you to get it repaired.
याद रखें कि कार के पानी में फंस जाने पर उसके इंजन को स्टार्ट करने की कोशिश न करें. वैसे तो इंजन को नुकसान कार इंश्योरेंस पॉलिसी में कवर होता है. लेकिन, ड्राइवर उसे चालू करने की कोशिश करते हुए नुकसान पहुंचाता है तो पॉलिसी उसे कवर नहीं करती है.
आप बेसिक कवरेज के साथ विभिन्न ऐड-ऑन कवर भी ले सकते है, जैसे जीरो डेप्रीसिएशन कवर, इंजन सुरक्षा कवर, रोड साइड असिस्टेंट कवर, एंजिन और इलेक्ट्रोनिक्स कवर, टायर प्रोटेक्शन कवर इत्यादि.
