Does a comprehensive motor insurance policy cover vandalism as well as the damages brought on by accidents, natural disasters, etc.? Can you file an insurance claim with the insurer if your car sustains damage during a riot, such as dented bodywork or a cracked windshield from stone pelting?
Let’s define vandalism and examine how a car insurance policy handles it.
Vandalism typically refers to the willful destruction of another person’s property. This is a typical sight during riots. To express violent disagreement with certain things, private property is destroyed. Some instances include protesters throwing rocks at vehicles and social groups damaging cars and public property while demonstrating against the government.
Is Vandalism Covered By Auto Insurance?
To understand if vandalism is covered under a motor insurance policy, you first need to know the various kinds of motor insurance policies available in the Indian insurance market. Make sure you carry out the process of Bajaj Allianz car insurance renewal on time.
You can choose from the following types of car insurance policies:
- Auto Insurance For Third Parties
A third-party automobile insurance policy will pay for harm your vehicle causes to others or their property. If it is established that you are to blame for the damage, your insurer is responsible for paying the compensation. This coverage covers bodily injury and passing away to third parties caused by your car, as well as property damage. ^
Remember that a third-party auto insurance policy does not protect your car from damage. When this basic policy is purchased, you will be responsible for paying 100% of the cost of repairing any damages to your vehicle. Vandalism is not covered.
- Full-Coverage Auto Insurance
Third-party damages and something referred to as “Own Damage” (OD) are the two main things a comprehensive motor insurance policy covers. The harm done to your car is referred to as the OD component. This policy reduces out-of-pocket costs, and the insurance provider will cover the repairs when your vehicle is damaged. Vandalism-related damages are also covered since a comprehensive policy protects OD. Your insurer will pay the associated costs because you did not cause the damages. * ^
How Can I File A Claim With My Auto Insurance For Vandalism?
You must first contact the insurance provider and alert them to the damage before filing a car damage insurance claim process. You will be guided through the proper procedure by the insurer’s rules by a customer service representative or an insurance specialist.
A claim can now be submitted digitally as well. To file a claim, you can do so online or through an app provided by the insurance provider. You must have the following information on hand:
1. Number of auto insurance policy
2. The vehicle’s VIN
3. FIR (if the insurer so requests)
4. Images or videos of the wrecked vehicle
5. Any other records the insurer requests
* Standard T&C Apply
^ Claims are subject to terms and conditions set forth under a comprehensive car insurance policy.
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.