How to Claim Insurance for Car Damages Caused by Natural Disasters?
2 Answers
Do not move the vehicle and call the insurance company to report the claim within 24 hours. For vehicle damages caused by natural disasters, the insurance company requires meteorological proof or relevant media reports as evidence for the claim. After receiving the claim report, the insurance company will arrange for staff to conduct an on-site inspection and take photos of the vehicle's damage. The vehicle owner needs to provide the staff with identification documents such as an ID card and the vehicle registration certificate, which the staff will photograph for documentation. The staff will then inform the owner of the designated repair location.
After dealing with the insurance claim for my car being flooded during the last typhoon, I found that there are three crucial steps to follow: First, immediately call 110 and report the incident to the insurance company, explaining the disaster situation. Second, take photos for evidence, capturing the waterline position and the overall vehicle from multiple angles. Finally, do not move the car and wait for the claims adjuster to arrive and confirm the damage. Throughout the process, remember to keep the meteorological disaster certificate, as it can be a great help in case of disputes later. The claim handling varies depending on the type of car insurance. If you have comprehensive insurance, most damages can be covered, but it's troublesome for those who only have third-party liability insurance. I recommend everyone to pay attention to the specific terms regarding natural disasters in their insurance policies and check them before the rainy season every year. Nowadays, insurance companies process disaster claims quite quickly, but the key is to have complete and accurate evidence.
