If Diwali firecrackers destroy your car and bike, then know that this method of making insurance claim will not be rejected.

Auto News Desk – Many people celebrate the festival of Diwali by burning firecrackers. Due to this many times people have to face huge losses. This includes anything from house fire to damage to bike and car. Keeping this in view, we are telling you here that if your car or bike gets damaged due to firecrackers during the festival of Diwali (Diwali 2024), then how can you get an insurance claim on it. We are also telling you in which circumstances your insurance claim may be rejected.

What is a car insurance policy?
Before taking a car insurance claim for damage caused by firecrackers, let us know what a car insurance policy is. This is done in three ways, these include third party car insurance, standalone policy (own damage) and comprehensive car insurance. Damage caused to the car due to fire or blast is covered in comprehensive and standalone car insurance policies.

What to do once the car gets damaged?
If you want to get cover for your damaged car, then you have to keep some things in mind. First of all, when you notice any damage to the car, immediately inform the car insurance company and agent. This can help you get help quickly and the insurance policy agent will be able to arrange it immediately.

lodge an FIR
When there is any damage to your car, definitely file an FIR. Please inform the police about this. The police will register an FIR after taking complete information. In fact, even if there is minor damage to the car, insurance companies ask for FIR, so that they get accurate information about the date, time and place of the accident.

This is how you get your insurance claim
Once the inspection by the insurance company is complete and your claim is in order, the insurance agent then begins the documentation work. After the documentation is completed the insurance agent covers the claim.

Why are insurance claims rejected?
If the fire occurs due to sparking from the car's battery or a fault in the electrical wiring system, the cover claim is rejected.
If the fire occurs due to mistake while changing or setting the AC or LPG gas kit, the claim is rejected by the insurance company.
The insurance company also rejects the cover claim for damage caused to the car due to problems like internal problems, oil leakage or overheating.