Insurance Claim- Has your car been damaged by a cyclone and storm, know how to claim insurance

In the scenario we live in today, there is no idea when and what incident will happen to whom. Therefore, we should get insurance to avoid losses, whether it is insurance for health, home, car, and other valuables, we should take it. If we talk about car insurance, then it is very important because it runs on the road and accidents can happen at any time if we talk about the devastation caused by cyclone Michong in Tamil Nadu and Andhra Pradesh, the value of car insurance has come to light. Where many car owners have suffered heavy losses due to these storms. If you also get stuck in such a problem, then we will provide you complete information on how to claim insurance-

Need for comprehensive car insurance

Coverage for natural disasters: Comprehensive motor insurance usually covers damage to your vehicle caused by natural disasters including cyclones, floods and landslides.

Compulsory third-party insurance: Under the Motor Vehicles Act in India, it is mandatory to have at least one third-party policy. This insurance covers:

Accidental damage to another person’s property.

Medical expenses for injuries to the third party.

Compensation for death of the third party.

Legal liabilities arising out of such incidents.

Increasing your coverage: Apart from standard policies, consider add-ons such as roadside assistance, engine protection cover, and coverage for personal belongings. These features can provide additional peace of mind during emergencies.

Steps to file an insurance claim

Report the incident: Inform your insurance company immediately after the incident occurs.

Document the damage: Take clear photos and videos of the damage as proof while filing a claim.

Gather the required documents: Make sure you have your car insurance policy, registration documents, and any other relevant papers readily available.

File a claim: Submit your claim to the insurance company. They will arrange for your vehicle to be inspected by an adjuster.

Repairs and compensation: After assessing the damage, the insurance company will either pay you the claim amount or cover the repair cost directly.