How to Claim on Car Insurance For Damages Incurred in a Cyclone
Driving in India leaves car owners open to a lot of risks. The bad condition of roads, the heavy flow of traffic, and people’s lack of discipline all contribute towards increasing the risk of driving on the roads.
As a driver on Indian roads, it is important you take all the precautions you can in order to avoid posing a risk to yourself or others. This risk can take the form not only of physical danger to yourself and others but also a legal liability in case monetary or other damages are caused. While the risks posed by man-made factors are tremendous too, sometimes nature also has a role to play in causing damages. Natural disasters such as earthquakes, floods and even cyclones cause massive destruction throughout their path, resulting in damage to homes and vehicles.
This requires you to be cautious at all times. Indian laws also require that in addition to your driving license details, you need to carry your car insurance with you as well. While the law requires third party liability as a mandate to drive on Indian roads, it is best to avail comprehensive coverage which also provides coverage against man-made and natural disasters. The Bajaj Allianz Car Insurance, available on Finserv MARKETS, can be yours for only Rs. 2,072 a year along with coverage against natural disasters. It also offers 24×7 roadside assistance and a range of other benefits. Bajaj Allianz car insurance renewal can also be facilitated online, with only 3 steps.
At the time of claiming car insurance for damages incurred owing to natural causes such as cyclones, it is important to remember a few things.
- Call the insurer before touching your vehicle:
With a cyclone, there are always cases of trees collapsing onto the vehicle. It is important that instead of removing it or any other obstructions, you first call the insurer and explain the situation. This is because in the attempt to remove the tree or obstruction, you may end up causing additional damages which will further only delay the claims payment process.
- Collate pictorial evidence:
It is best to collect evidence that shows the severity of damage to your vehicle without any grounds for disproving it. With pictures, you can easily claim damages online as well. The Bajaj Allianz Car Insurance, available on Finserv MARKETS, has for quite some time now allowed insured persons to file their claims online simply through uploading documents online. Not only will your claims be settled very fast, but you can also avail cashless servicing at more than 4,000 garages across the country. The Bajaj Allianz car insurance renewal can also be done online, which enables the insurer to fulfil a variety of functions through digital means. Keep your documents, such as driving license details handy, while filling out these forms online.
- Have the vehicle towed through insurer network:
At many times, you can ask the insurer to have the vehicle towed away once you have filed the claim request. This will allow you to save your personal funds and also enable all the inspections and corrective action to be carried out in the presence of the insurer – thereby ensuring no grounds exist for rejection of your claim.
It is important to claim car insurance at the earliest, at times of natural calamities like cyclones. If your vehicle has been damaged, you should let the insurer know about it as soon as possible and get the claim resettlement process started. The Bajaj Allianz Car Insurance, available on Finserv MARKETS, offers insurance at premiums starting at only Rs. 2,072 a year and roadside assistance which ensures your vehicle will be picked up from wherever it is.