Hurricane Michong has wreaked havoc in Tamil Nadu and Andhra Pradesh. After this cyclone, the importance of car insurance has come once again. It is very common for cars to be damaged during cyclones. Insurance helps us cover the damage done to the car in such cases of natural disasters. Cymbol Michong has caused severe floods in Chennai. Many videos on social media platforms show cars flowing in flood waters. Cars are completely submerged in water due to water levels in some areas. In such a situation, how can someone claim their car insurance?
Car damage is usually covered under extensive motor insurance. It is mandatory to buy a third party policy under the Motor Vehicles Act in India. The third -party policy covers the cost of contingency damage to a third -party man -owned property, the cost of treating the third -party injuries, compensation in case of the death of a third party person and legal liabilities.
A car will cover the dam damage caused by natural disasters like earthquake, cyclone, floods, landslides, etc., among other things. Apart from the insurance policy, it is better to buy some ad-ons such as roadside assistance, engine security cover, loss of personal goods etc. These special features are designed to increase the scope of car insurance coverage.
In case of any problem, the car owner should immediately report the incident to the insurance company for claiming. Take photos and videos of disadvantages as well, as you can present them as evidence. Keep your car insurance policy, car registration document etc. with you. Then claim for car insurance. The insurance company will take the car to the garage and inspect the damage. After checking the damage, the owner is paid the claim amount. Or the insurance company bears the cost of repairing the car.
