Is Your Vehicle Insured Against Natural Disaster?

The Buyt Desk

Owning an insured vehicle gives a sense of security. Even if the insured car met with an accident, the damage will be taken care of by the insurance company, and you don’t have to bear the heat. But did you know your claim will get rejected if you just have basic third-party car insurance and your car gets damaged due to a natural calamity? The mandatory liability plan not having the Own Damage Protection provision does not cover damage due to natural disasters. The right insurance plan for the same is Comprehensive Car Insurance. This plan covers damage against natural disasters.

Who Should Have the Comprehensive Car Insurance Plan and Why?

Natural catastrophes are unexpected and create havoc. The vehicles are more vulnerable than other belongings as they remain uncovered. Vehicles at these places can also suffer progressive damage because of the wreck that happened once. The primary vehicle insurance policy does not cover those things. The comprehensive car insurance plan is an insurance policy that provides coverage for repair and replacement. It also covers damage caused by natural disasters. This policy is beneficial for those living in areas prone to natural calamities. E.g., cities near mountains and sea.

How To Claim Insurance Of Damage Caused by Natural Calamity?

If you are smart and have a comprehensive insurance policy, you can easily claim insurance with your vehicle insurance provider. Here is the step-by-step guide for the same.

Collect all the shreds of evidence of damage in your vehicles, pictures, videos, and reports on the disaster that caused the wreck.
Record every piece of detail of the natural calamity that damaged your vehicle, such as the date and time of the incident, location, etc.
Connect with your insurance service provider and tell them about the disaster that damaged your vehicle.
Next, a surveyor would visit the site and inspect the vehicle. The surveyor will then submit their report and proceed with your claim process.
After satisfaction, the survey company will help you take the vehicle to the garage for the repair work.
They would then ask for all the necessary documents required for the claim process approval.
After the repair work, the garage will give you the reimbursement details. Pay the incurred cost.
Then, submit all the papers to the auto insurance company. The insurer would then check the documents and repay your claimed amount.