Does Comprehensive Insurance Cover Damages Due to Man-made Hazards?

Man-made Hazards: Any man-made hazard or malicious act is covered.

Vandalism: A Comprehensive policy typically provides coverage if someone intentionally damages your vehicle.

Terrorism: While most insurers exclude nuclear or radiological events, there are insurers who provide coverage for damage to cars due to terrorist activities. 

Other Man-made Hazards: Man-made events, including theft, fire, accidents, etc., are covered. 

Any damage due to regular wear and tear

Mechanical breakdowns

Damage due to reckless driving or driving under the influence of alcohol

Driving without valid documents

Any damage when the insured vehicle is used for commercial purposes

Any intentional damage to the vehicle

Avoid Entering the Car: Do not try to enter your car if it’s damaged due to a man-made hazard. This is because any damage inside the car can cause injury to you as well. For instance, if a glass has broken inside the car, it can injure you. Also, do not move the damaged vehicle from the incident site until the surveyor inspects it.

Gather Evidence: Collect evidence and keep a record of the exact time and location of the incident. Also, click pictures of the damaged car from all angles so that it becomes easier at the time of filing a claim. 

Inform Your Insurer: Inform your insurer about the incident and raise a car insurance claim immediately after the incident. This will ensure a quicker claim settlement.

File a FIR: In events like vandalism or other man-made hazards, the insurer might require an FIR as a mandatory document. So, file an FIR if there is any damage to your vehicle due to man-made hazards.

Policy Document: A car insurance policy document is a must to raise a claim. You can either provide the policy number or share a copy of your policy with the insurer.

Claim Form: A duly filled claim form with all the accurate details is required to initiate the claim.

FIR: You also need a copy of the First Information Report (FIR) filed at your nearest police station. 

Fire Brigade Report: A fire brigade report is required in case a fire outbreak takes place during riots, and your car is damaged as a result of it.

Car Repair Bills: In case of reimbursement claims, you need a receipt for the expenses incurred due to man-made hazards. This will give your insurer an overview of the total expenses.

Evidence: You might also be required to submit damaged car pictures, as well as any news articles regarding the incident, if there is any. 

If your policy has expired and you have not renewed it

If you have Own-damage or Third-party policy

If it is found out that the damages are intentionally done

If the policyholder or driver is found to be involved in a man-made hazard

If the damage is outside the coverage under the policy terms and conditions

If you do not submit the required documents