Does Car Insurance Cover Riot Damages?

 

 

Does Car Insurance Cover Riot Damages?

Yes, Car Insurance covers riot-caused damages to your car. However, your vehicle needs to be insured with a Comprehensive Car Insurance Policy to receive this coverage. Please note that the minimum and legally required Third-Party Car Insurance does not cover riot-related damages. Hence, you need to buy a Comprehensive Car Insurance Policy instead. A Comprehensive Policy includes the legally required Third Party Coverage, along with an Own Damage (OD) Cover. The OD component of the policy covers accidents, fire, theft and natural & manmade calamities, including riots.

 

Documents Required to Raise a Claim for Riot Damage

The following are the documents required to raise a claim for riot-caused damage to your four-wheeler.

 

1. Policy Document: When raising a claim with your insurance provider, they are likely to first request your policy details. You can either share your policy number or share your registered mobile number. That way, your insurer will be able to locate your policy information.

 

2. Claim Form:Traditional insurance providers will share a claim form to fill in the claim details. In contrast, more new-age insurers will have a digitalized journey. Either way, make sure to provide as many details as possible while filing the claim.

 

3. First Information Report: Since a riot can be classified as an unlawful activity, you may be able to generate a First Information Report at a local police station. This will strengthen your case when filing a claim with your insurance provider.

 

4. News Reports: Generally, journalists capture sizable riots in the news. Take advantage of this. Use these newspaper clippings or online links to justify the validity of your claim with your insurance provider.

 

5. Fire Department: Riots sometimes involve fires. If the fire department comes to the scene, it is likely that they will file a report. You can use their report as evidence in your insurance claim for the riot-caused damages to your vehicle.

 

6. Repair Shop Bills:If you haven’t taken your vehicle to a cashless garage, the bill for the repairs will be directly charged to you. In that case, submit a copy of the bill to your insurance provider to receive compensation for policy-covered damages.

 

Reasons for Claim Rejection in Situations of Riot Damage

The following are some common reasons why your claim for riot-related car damages may be rejected.

 

• If your policy is no longer active and requires renewal.
   

• If you have not selected the Own Damage Cover during the policy purchase.
   

• If there is evidence that the damages were intentionally inflicted.
   

• If the owner/driver is found guilty of using the vehicle for illegal activities.
   

• If the insured does not comply with the terms and conditions of the policy.
   

• If the damage does not fall under the coverages of the policy.
   

• If you fail to submit the required documents while raising a claim.

 

What to Do If Your Car is Damaged in a Riot?

Here are some precautionary measures you can take to protect your car during a riot.

 

1. Park your car in a safe place. Ideally, in a place where security personnel are present.

 

2. Use a durable car cover to avoid scratches and minor bodily impact.

 

3. Stay alert to current news. If you hear of riots in your area, try to move your vehicle to a secure location.

 

4. Last but not least. Ensure that your car is secured with an Own Damage Policy.

 

Ensuring Financial Safety for Your Car

Despite your best efforts to protect your car, mishaps can occur. That is why we recommend that you buy reliable Car Insurance that includes Own-Damage coverage. In this regard, we suggest that you buy Shriram Car Insurance. We offer comprehensive coverage that encompasses riot and other man-made damages.

 

Not only that, if you opt for our Motor Protection Cover, you can also benefit from legal aid to tackle potential legal issues that may arise. We also offer Road Side Assistance as extra coverage. This will come in handy if your vehicle gets stranded during travel and requires minor repairs or needs to be transported to a repair shop.

 

FAQs

Read ahead to find answers to commonly asked questions regarding car insurance coverage for riot-related vehicle damages.

 

1.What coverage will I receive if my car has been damaged beyond repair in a riot?

If your car has been damaged beyond repair due to a riot, we will compensate you with the Insured Declared Value (IDV). The IDV is usually the current market value of your vehicle that will be compensated to you in the event of your car’s theft or total loss.

 

2. Does Third-Party Car Insurance cover riot-caused damages?

No, Third Party Car Insurance does not cover riot-caused damages. It only covers loss to a third party caused by your insured vehicle. On the other hand, all man-made calamities are covered under an Own Damage or Comprehensive Car Policy.

 

3. Can I buy Insurance from Shriram General Insurance for riot-related damages?

Yes, you can buy insurance from Shriram General Insurance for riot-related damages. You can do so by heading to our website (www.shriramgi.com)/app (My-SGI) and buying an Own Damage Car Insurance Policy.