Car damaged by Cyclone Dana? Here's how to claim insurance
Cyclone Dana has left a trail of destruction in the coastal regions of Odisha and parts of West Bengal. The cyclone's impact also extended into certain areas of Jharkhand and Bihar. The natural disaster, characterized by high winds and heavy rainfall, has led to significant property damage including cars. In case your vehicle is damaged, here are some tips to claim insurance.
Understanding insurance coverage
Securing a vehicle against natural disasters is a must. However, getting insurance coverage for natural disaster-induced vehicle damage can be complicated, and requires the owner to know certain details about their policy. It's important for car owners to know whether their insurance policy offers full coverage or not. Always compare multiple policies before buying one. Once you purchase a policy, the terms of the agreement cannot be altered.
Navigating the claim process
In case your vehicle gets damaged by a natural disaster, you must follow certain procedures to file an insurance claim. You need to immediately inform the insurance company about the damage and its cause. You need to provide all details about how the damage happened and its extent. Any outstanding amount (agreed-on amount) needs to be paid before the insurance company assesses the damage as per their terms and conditions.
Insurance company's role in compensating for damages
Once all requirements are fulfilled, the insurance company will assign an adjuster to deal with the claim. This agent documents evidence of the damage and determines its cost. Based on this assessment, the insurance company will release payment against the claim. This way, car owners can recover some of their losses incurred due to natural disasters.
