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• How to file a claim with the insurance company if a tree falls on the car in heavy rain
• Why is insurance coverage necessary?
• What are the documents required to file a claim?

Heavy rains and storms during monsoons can cause major damage to your car, including falling trees. In such cases, inform the insurance company immediately, preserve the photos and videos and get the repairs done only after inspection. Zero Deep Cover provides more leverage on spare parts costs. Active policy And with proper procedures, claims can be filed easily. Learn how to file a claim with an insurance company if a tree falls on your car and what documents are required

Insurance coverage is required

While monsoon brings relief from the heat, it also brings many problems for vehicle owners. Heavy rains, storms and waterlogging make keeping your vehicle safe a big challenge. Sometimes tree branches or even the entire tree can fall on parked cars, causing damage to the exterior of the car and sometimes to the engine as well. In such cases, having the right insurance cover can avoid huge expenses.

If your car is involved in an accident during monsoons, the first thing you should do is report the incident to your insurance company. Be sure to take photos and videos of the damage before starting the claim process. These proofs will be very useful during inspection and will help in getting the claim cleared easily.

Zero Dep cover helps in cost reduction

Customers who opt for ‘Zero Depreciation’ add-on cover in their car insurance get significant benefits. In general, motor insurance assumes that car parts depreciate over time and that the customer may incur some repair costs. This is called depreciation.

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In a zero dep policy, the insurance company does not deduct depreciation from the value of the damaged parts. This means that the replacement amount is higher and the customer may have to pay only nominal charges or expenses as per the terms of the policy.

Things to keep in mind while claiming

Do not attempt to repair your car yourself after an incident such as a falling tree. First, get the damage inspected by the insurance company’s surveyor. Only then start the repair work at an authorized service center. Repairs without permission can cause problems in the claims process. Avoid delay in reporting the incident. Most companies immediately initiate action upon receiving information. If a tree has fallen in a public place and you want to get compensation from any government department, a police report or documents can be helpful.

Additionally, always park your car in a safe place and make sure your insurance policy is active. A lapsed policy will not cover any claims for damages.

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What are the documents required to file a claim?

RC (Registration Certificate) of the car

Copy of auto insurance policy

Driving license

Aadhaar card or other identity card

Photos and videos of the damage

Claim form