If a firecracker causes a car fire, will you be covered by insurance? Learn the rules.

Car Insurance Rules: Diwali is just around the corner, and it's a festival celebrated with great fanfare across the country. Many people burst firecrackers on this special day. Some firecrackers are of very poor quality, sometimes causing damage. Fires have also been reported.

If you light firecrackers on Diwali and a spark from them causes a fire in your car, the biggest question is whether your insurance will cover the damage and how to file a claim. What types of policies provide coverage, and what is the correct process for filing a claim. Let's explain the full details.

Does insurance cover firecracker fires?

Generally speaking, third-party insurance is mandatory for any vehicle. This is general insurance. You don't receive any benefit for damage to your vehicle. However, third-party insurance covers the expenses of damage to the other person's vehicle caused by you. Now, let's talk about what happens if a firecracker sets your car on fire and causes damage. You'll need separate insurance for that. This insurance is called a comprehensive insurance policy.

Comprehensive policies generally cover fire, theft, natural disasters, and external fire. However, carefully read the policy terms and exclusions, as some policies don't cover negligence or intentional actions. If you intentionally or carelessly placed firecrackers on your car, your claim may be rejected.

How to file a claim?

If firecrackers set your car on fire. So, first, immediately notify the insurance company of the incident and fill out the form through their 24x7 helpline or mobile app. Immediately take photos and videos of the incident and call the nearest fire brigade or police. You can also file a fire brigade report and an FIR if necessary.

The insurance company will then send a surveyor to assess the damage. Following the surveyor's report, submit documents such as the policy copy, vehicle registration, driver's license, and expense bills. The company will deduct the deductible as per the agreed terms and settle the claim based on the surveyor's report. Keep in mind that if negligence is proven, the claim may be rejected.