Earthquakes pose risks of danger, fatalities, and substantial losses, including potential damage to cars. Does car insurance cover earthquake damage, and if so, to what extent? For answers, read on.
Does Your Car Insurance Cover Earthquake Damage?
It would help if you first comprehend the various kinds of insurance plans offereds in India to ascertain whether your car insurance policy covers earthquake damage. These are the two primary categories of car insurance policies that Indian providers provide.
Third-Party Car Insurance
The purpose of a third-party car insurance policy is to protect against third-party liabilities like accidents, property damage, etc.*
Comprehensive Car Insurance
You can submit a claim with a comprehensive car insurance plan if fire, natural disasters, accidents, and other events harm your vehicle. Liabilities to third parties are also covered.*
The only people who can submit a claim for damage to their car caused by earthquakes are those who have a comprehensive car insurance plan.* The process to buycar insurance online is simple and hassle-free.
Comprehensive car insurance, provided by many companies, covers earthquake damage.* With this policy, you can file a claim to get your car fixed. In cases of significant damage or total loss, you’ll receive payment based on the insured declared value (IDV) of your car. Claims are subject to terms and conditions set forth under motor insurance policy.
Is Comprehensive Car Insurance Required For Coverage Against Earthquakes?
Indeed, comprehensive insurance is required for earthquake protection. As previously stated, only this kind of policy pays for car damage. That’s why you need comprehensive insurance coverage for any damage to the car, even from an earthquake or other natural disaster.*
How To Submit An Earthquake Damage Claim For Cashless Car Insurance
Follow these procedures if you need to file a cashless car insurance claim.
Step 1: Use our website or app to log into your account.
Step 2: Go to your policy for car insurance.
Step 3: Select “claim,” provide the necessary information, upload any needed files, and then select “submit.”
If we need more information about the claim you recently filed, we will get in touch with you. Processing of the claim will follow the relevant terms and conditions.
Documents Needed To Submit A Claim
The following paperwork might be needed for a car insurance claim, depending on how complicated your situation is.
- Drivers license (DL)
- Certificate of registration for car (RC)
- Car insurance policy
- If necessary, file a first information report (FIR).
- Evidence of the policyholder’s identity
- Report from the fire department, if needed
- Original car keys
Safeguarding your car against earthquake damage is a prudent and responsible choice, and having comprehensive car insurance is your shield in times of seismic uncertainty. While earthquakes may be unpredictable, the protection of your vehicle doesn’t have to be. Car insurance provides the financial security needed to address repairs or replacements that may arise from seismic events. When youbuy car insurance online you not only mitigate potential financial burdens but also ensure that your means of transportation remain resilient in the face of natural disasters. You can check the amount of premium to be paid using a car insurance calculator.*
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.