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Car, Bikes Damaged Due to Cyclone, Waterlogging? How to File an Insurance Claim


Extreme cyclonic storm Tauktae has wreaked havoc within the western coast of India. A number of areas of Gujarat, Goa, Maharashtra, Daman and Diu Karnataka, Kerala have been submerged within the wake of heavy rainfall attributable to Cyclone Tauktae. Mumbai, India’s monetary capital has witnessed heavy wind and steady downpour for the final two days. Images of automobiles submerged within the water or bikes broken attributable to timber falling on them, are doing rounds on the social media platforms.

After the devastating Kerala floods few years again, the Insurance coverage Regulatory and Improvement Authority of India (IRDAI) had requested insurance coverage firms to simplify the claim-settlement procedures attributable to pure calamities. In case your automobiles bought broken throughout Tauktae, the insurance coverage firms bought your again. However, you could comply with the fundamental steps to file a declare along with your insurance coverage firm.

The essential motor insurance coverage covers for losses brought on by pure calamities similar to cyclones, lightning, earthquakes, landslide, floods, hurricanes, storms, typhoons, and inundation. However any consequential loss because of the pure calamity, is just not lined.

At first, you have to name the insurance coverage firm to tell them concerning the particulars of harm. You’ll find the toll-free variety of your insurance coverage firm on-line. Prospects want to tell the insurers inside a month’s time to keep away from declare rejections.

For the declare settlement course of, policyholders want to offer related paperwork to the insurer. So, click on many images or movies of your submerged automotive or broken bike. It’s worthwhile to submit detailed photos of the car to point out the extent of harm.

The insurance coverage firms normally have tie-ups with garages throughout the nation. As soon as a buyer makes the declare request, the insurer will ship service personnel from the storage to examine the car. After an intensive inspection, the storage will inform the insurer of the estimated prices of repairs. Now, the corporate pays the declare, relying on the insurance coverage cowl purchased by the policyholder.

In case of huge quantity of claims for an SUV or luxurious automotive or bike, the insurance coverage firm appoints a surveyor/loss assessor. It have to be talked about that claims of as much as Rs 50,000 don’t want any surveyor to evaluate the extent of the declare.

The insurance coverage firm pays the claims based mostly in your cowl.

Key issues to notice:

In case your automotive is submerged attributable to waterlogging, don’t contact it. It’s possible you’ll injury the car additional within the course of which is able to delay the declare settlement course of. If the outside or inside of the automotive being broken, the own-damage insurance coverage a part of your coverage will cowl the loss. If the engine is broken attributable to waterlogging, don’t attempt to begin it. In case your engine will get additional broken attributable to forceful restart, the insurance coverage coverage will contemplate it as negligence on the a part of the policyholder. On this case, the insurer would possibly reject the declare. Automobile homeowners could go for a separate engine-protect add-on cowl to get their engine lined in case of cyclone or flood.

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