The heat is at its peak. Nowadays no one can say when, where and how a fire may break out. On Tuesday, a big news came from an area of Delhi. Due to the scorching heat late at night, a huge fire broke out in a parking area, due to which many cars were burnt. The incident is from Madhu Vihar. […]
The heat is at its peak. Nowadays no one can say when, where and how a fire may break out. On Tuesday, a big news came from an area of Delhi. Due to the scorching heat late at night, a massive fire broke out in a parking area, due to which many cars were burnt. The incident took place in Madhu Vihar. The fire was so fierce that about 17 cars were burnt to ashes at once. In such a situation, the question arises that if your car also gets caught in an accident like fire while standing in the parking lot, will you get a claim for car insurance?
Is there an insurance claim in case of a fire?
People often wonder if they can get an insurance claim if their car burns? The answer is yes. However, there are some conditions for this. There are several rules for making a car insurance claim in accidents like fire. In case of fire, the car insurance claim is settled in case of 'actual arson'. Cases of short-circuiting and overheating do not involve 'actual arson' and are most likely to be rejected.
To make a claim, you will first have to prove that the fire in your car did not occur due to an unexpected event i.e. mechanical or electric short circuit. Rather, the fire in the car occurred due to genuine reasons.
When is insurance not available?
There can be many reasons for a fire in a car. But if your car catches fire due to electrical or mechanical breakdown or in riots or on the road, then you do not get insurance for it. At the same time, fire can occur due to overheating of the engine. This can happen when the car is not in good condition. Due to the engine getting hot, the fire can spread to other parts of the car as well. If the engine is in bad condition and a fire breaks out, then in such a case you may face difficulty in getting a claim.
When do you get insurance?
Now the question arises when will you get insurance if the car burns. So if your car is new and under warranty and you have not installed any part from the market in the car, then the car company gives you a claim without any condition. At the same time, if the engine catches fire due to the fault of the company, then in such a case also you get a claim without any hassle. You just have to make sure that the engine is not in bad condition. If the car catches fire due to genuine reasons, you may be eligible to get insurance.
Insurance is available after investigating the company
If the cause of fire in Madhu Vihar is natural then you will get insurance immediately. However, if the fire is caused due to short circuit or any other reason then the inspector of the insurance company will investigate the cause of the fire and then the process will be taken forward.
How can you get a claim?
Step 1: Contact your insurer via call/email/website.
Step 2: Share the policy details and state your intention to make a car insurance claim for damage caused due to fire.
Step 3: Submit the required documents asked by the insurer.
step 4: The insurer will appoint a surveyor to look at the damaged vehicle. The surveyor will also inspect the car and find out the cause of the damage. Cooperate with the surveyor and answer all questions honestly.
step 5: The insurer will accept or reject the claim based on the surveyor's findings. If the claim is accepted, it will be settled and you will receive the claim amount as per the policy terms. Either the cost of repairing the car or the insured declared value of the vehicle will be paid.
The latter method of claim would be applicable if the car is burnt beyond repair. If the claim is rejected, you will also be informed of the reason for the rejection. You can then work out the reasons and apply again.
What to do to make an insurance claim in case of fire?
In cases like fire, first take pictures of the damaged vehicle and shoot a short clip. Cover it from all angles as it will help you while filing a car insurance claim. Inform your car insurance company about the incident as soon as possible and follow the procedure mentioned. Depending on the cause of the fire, the insurance company may require an FIR and other documents.
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