How to Make a Car Insurance Claim for Damages Caused by Natural Disasters

Ways to Get Car Insurance for Damages Caused by Natural Disasters

Natural disasters can happen at any time without warning. These disasters give you the most worrying things in your life, sometimes even losing your family, property, car, etc. In the event of a natural disaster, you and your family may need medical care and attention. Remember, natural disasters such as earthquakes, floods and hurricanes can cause significant damage to vehicles. To protect your car from natural disasters, it is better to choose car insurance. By starting a car insurance policy, you will receive an insurance reimbursement against the damages incurred.

Natural Peril Auto Insurance

If you are wondering, “Can we get car insurance for natural disasters?”, The answer is of course! Car insurance protects your car against various natural disasters. However, you should choose comprehensive auto insurance. Third party car insurance does not cover car damage caused by natural disasters.

Comprehensive Car Insurance for Natural Disasters in India

This type of insurance provides protection against various damages or losses that occur in the event of natural disasters. However, you don’t need to buy an insurance plan for each of them. In this type of policy, a contract is signed between the car owner and the insurance company. The company promises the owner that they will pay for third-party claims along with damage to the car due to natural and man-made disasters – theft, fire, and accidents.

Let’s understand this type of insurance with an example.

Flooding can damage the engine along with the vehicle’s components. If your car has been submerged in water for a long time, it may damage part or all of the engine. For a cheap car, you have to pay Rs. 1-2 lakh for changes or repairs.

Besides, if you want to replace the main parts of the car, you may have to spend a lot of money from your pocket. Comprehensive car insurance protects your money by paying for all excess and engine damage.

However, the situation is different from the third party insurance plan. Even if you buy the best third-party cover, you will have to pay for damages from your side due to natural disasters.

How to Apply for Natural Disaster Car Insurance

If you have been thinking about how to get car insurance, just follow the steps mentioned above:

  1. Starting a car insurance claim, take photos and videos of your wrecked car from all angles.
  2. Collect newspaper articles that mention natural disasters.
  3. Do not change your car at the place where it was done before informing the insurer.
  4. Record the date, time, and location of the disaster correctly.
  5. Contact your insurance provider and inform them of the damages caused by the natural disaster.
  6. To verify the condition of your insured vehicle, the insurance company sends an inspector to inspect the damaged vehicle. After assessing all the damages, the assessor will submit the report after which the company will start the application process.
  7. The insurance agent will send your car to a garage to be repaired.
  8. You need to send all the necessary documents for car insurance coverage to the insurance provider.
  9. You can collect your car at the garage after the repair.
  10. In case of non-payment, the amount will be paid by the insurance company directly to the network garage.
  11. To claim a refund, you must pay the bill from your end first and then provide a receipt to your insurer. The company verifies your documents and application before disbursing the money.

Also Read: Important Documents for Applying for Car Insurance.

Top 7 Benefits of Comprehensive Auto Insurance for Natural Accidents

1. Enjoy the benefits of cashless products

Many car insurance plans offer a no-cost facility where you can repair your damaged car (damage caused by earthquakes, floods, or hurricanes) at an online garage. When you inform the company about the unpaid bills, the company sends your car to the nearest garage and settles the bill directly with the garage.

2. Easy inspection and claim process

By choosing the right insurance policy, you should not face any problems during the administration or during the application process.

3. Earn a No Complaint Bonus (NCB)

When purchasing a car insurance policy, you may be entitled to receive NCB if you have not claimed anything in the previous year. You can also enjoy discounts during policy renewal.

4. Additional coverage for disaster prone areas

If you live in a disaster-prone area, you can purchase the coverages listed below so you don’t have to pay anything out of pocket in the event of disaster damage.

5. Engine Protector

This additional cover reimburses the cost of repairing any damage caused by an oil spill (such as a flood). The cover also pays for damage to engine parts, various parts, and gearbox parts.

6. Consumables Cover

This extra cover protects various consumable parts such as nuts and bolts, fasteners, AC gas, oil, seals, washers, lubricants, coolant, bearings, engine oil, oil filter, and fuel filter.

7. Zero Drop Cover

Before setting your rate, the insurance company calculates the car’s depreciation. But if you choose this cover, you don’t have to lose anything because of the limited number of parts.

To protect your car from natural disasters, it is better to choose a car insurance policy. Also, by purchasing the covers mentioned above, you can also boost the safety and security of your vehicle. Make sure you choose a car insurance policy carefully so that you don’t have to worry about the damage to your car during natural disasters.

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