बारिश और बाढ़ से वाहनों को हुआ नुकसान तो न करें ये गलती, नहीं मिलेगा इंश्योरेंस क्लेम!

बदलते मौसम के साथ सभी के लिए अतिरिक्त सावधानियां जरूरी हो जाती हैं।

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खासकर अगर आपके पास गाड़ियां है, तब तो कुछ बातों का ध्यान रखना बहुत जरूरी है, वर्ना आपको भारी नुकसान हो सकता है।

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कार बीमा बाढ़ से हुए नुकसान को कवर करता है या नहीं, यह इस बात पर निर्भर करता है कि आपने किस तरह का इंश्योरेंस कवर चुना है।

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आम तौर पर कंप्रिहेंसिव कार इंश्योरेंस में बारिश और बाढ़ का कवरेज होता ही है।

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हालांकि इसके बाद भी जरूरी नहीं है कि आपको कार डूबने का क्लेम करने पर कवरेज मिल ही जाए।

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अगर आपकी कार भी बाढ़ में शिकार हो जाए तो क्लेम करने में कुछ एहतियात बरतें।

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सबसे पहले तो फोटो और वीडियो बनाकर कार के डूबने व नुकसान होने का सबूत जुटा लें।

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क्लेम करने के लिए आपको रजिस्ट्रेशन सर्टिफिकेट यानी आरसी, ड्राइविंग लाइसेंस यानी डीएल और पॉलिसी डॉक्यूमेंट की जरूरत पड़ सकती है।

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अगर आपकी कार पानी में डूब गई है और आपके निकालने के प्रयास में गाड़ी बंद हो जाए या किसी अन्य वजह से इंजन तक पानी पहुंच जाए, तो आपको इन्सुरेंस कवर नहीं मिलेगा।

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अगर खड़ी कार पानी में डूब गई है तो उसे स्टार्ट न करें। उसे टो कराएं और सर्विस सेंटर ले जाएं।

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सर्विस सेंटर ले जाकर उसे ठीक करा लें। ऐसी स्थितियों में आपको इंजन प्रोटेक्शन कवरेज बड़े काम आ सकता है, जिसे इंश्योरेंस में ऐड कराना न भूलें।

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