Understanding Claims for Vehicle Damage During Natural Disasters

No one knows when nature takes a rough turn, all we can do is be precautious. Having an insurance policy for damage during a natural disaster is saving yourself from unforeseen circumstances. Any damage caused by nature comes under the “own damage” of the insurance policy. Therefore you must opt for a comprehensive insurance policy.

A comprehensive insurance policy covers any damages caused by natural disasters including cyclones, floods, earthquakes, storms, etc. If you ever feel that an insurance company is creating issues for Claim settlement, or Insurance claim-related issues, feel free to contact an expert .

Add-on Covers You can Opt for:

• Engine Protector: The engine add-on insurance pays for the costs associated with repairing indirect damage caused by lubricating oil leaks or water intrusion that results in the loss or damage of engine, differential, and gearbox elements.

• Consumables Cover: This add-on cover covers consumables like engine oil, fuel filter, brake oil, distilled water, nuts & bolts, screws, washers, grease, lubricants, clips, AC gas, and bearings. To receive the benefits of this coverage, you must adhere to certain terms and restrictions.

• Zero Depreciation Cover: The car's depreciation will be subtracted by your insurer before you receive the claim money. This supplemental coverage compensates for your car's declining value. If you choose this add-on, you won't be responsible for any losses incurred from depreciation on any parts other than the tires and tubes.

What to Do in Case of Car Damage due to Natural Disaster?

Follow these steps in case of any loss caused by a natural disaster to your four-wheeler:

• Make sure to take photos of the damaged car from all angles.

• Make a note of the time of disaster and damage, including the time and date.

• Also, make an effort to get all possible articles of the natural disasters to provide as proof.

• Contact your insurance company and file a claim for the same.

• Don’t touch the car before the assessor appointed by the insurance company accesses the car properly. It can be considered tampering of evidence.

• Don’t touch the car or get it repaired before the insurer approves it.

A similar incident was observed in TATA AIG GEN. INSURANCE CO.V. LEELA YADAV ALIAS LEELAWATI .

Leela Yadav's car, insured by Tata AIG General Insurance Co., was damaged during heavy rainfall, in Panchkula. Water flooded the car's engine, causing it to stop functioning. The vehicle was repaired at a cost of ₹1,71,400. Tata AIG denied the claim, citing hydrostatic lock, which they argued was not covered under the insurance policy.

The State Commission examined the case and found that the damage occurred due to sudden flooding, which is covered under the policy's terms for damages caused by natural calamities like floods.

The Commission criticised the surveyor's report for not considering the flood aspect. The appeal by Tata AIG was dismissed, and the order of the District Forum was upheld, confirming that the insurance company had to reimburse the complainant as directed.

In case you face any Claim settlement issue, Insurance claim-related issues, or claim rejection services, you must consult an expert and seek their guidance.

Conclusion

Natural disasters are unexpected and can cause severe damage to property and humans. To safeguard yourself and your property you must get insurance. Car insurance for natural disasters can help you protect yourself from unforeseen losses. Moreover, by purchasing add-on coverage, you can increase the coverage of your auto insurance policy.