You must have wondered, does car insurance cover damages brought on by riots, protests, or other forms of civil unrest? Your insurer should pay for riot-related car damage if an active comprehensive car insurance policy covers your vehicle. This is due to the own damage car insurance provided by a Comprehensive Plan. Claims are subject to terms and conditions set forth under the car insurance policy. *
What To Do If A Riot Damages Your Car?
Riots, protests, civil unrest, etc., can quickly devolve into violence. Such circumstances can become disastrous when they spiral out of control. Consider your safety first if your car is parked in a riot-prone area. Do not risk your life to inspect your car. If it is adequately insured, you will receive the necessary financial aid. Unfortunately, if you discover that the riots and vandalism have severely damaged your car, leave it alone while you gather evidence. Such proof can be detailed, such as when you discovered the damage and its location. Take pictures of the wrecked car. Making a claim will be aided by taking a quick video of the damaged vehicle from all angles. You can always utilise a car insurance premium calculator to understand the appropriate level of coverage for your needs. Claims are subject to terms and conditions set forth under the car insurance policy. *
Documents Needed To File A Riot Damage Claim:
The following list of records will help your insurer evaluate and approve your claim. Be aware that this is a generalised list. Under various conditions, the actual document requirements might change.
- Policy Statement:
The car insurance provider may request a copy of your policy document, ask for your policy number, or use your name and phone number to confirm the information. If you have the appropriate coverage, they will verify it.
- Claim Form
You should submit a completed claim form to some traditional insurers. Current insurers will automate these processes, so you only need to complete the bare minimum of information online.
- First Information Report (FIR)
Regarding the vandalism in your area, the police may require you to obtain an FIR report. Such a document will substantially support your claim.
- Fire Brigade Report
There is a chance that the fire brigade would get involved if the rioting and vandalism were done on a large scale. You will need a report from their office.
- News Articles:
If a newspaper reported on the riots, you may submit a copy of the article. Alternatively, you can also provide links to trustworthy news articles or videos that can help.
- Network Garage Charges
You must submit all network garage bills and invoices for replacement parts when filing a car insurance claim or the relevant documents if you did not opt for Cashless Claims and decided to have your car repair expenses reimbursed.*
- Additional Documents
On a case-by-case basis, the insurance company may request additional documents in addition to those listed above.
Claims are subject to terms and conditions set forth under the car insurance policy.
And always remember to pay your car insurance premium on time!
* 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.
