A recent incident in Delhi involving a brand-new mahindra Thar has raised concerns among car buyers. The vehicle was damaged immediately after delivery, sparking questions about insurance coverage for new cars.
1. The Incident
In delhi, a customer who had just received a brand-new mahindra Thar faced a shocking situation when the vehicle met with an accident shortly after leaving the showroom. Such mishaps, although rare, highlight the importance of understanding insurance policies before taking delivery.
2. Insurance Coverage for New Cars
Most new car buyers opt for comprehensive insurance at the time of purchase. Here’s what you need to know:
· Comprehensive Insurance: Covers damages to the car due to accidents, natural calamities, and theft from the moment the insurance is active.
· Third-Party Insurance: Mandatory by law, but covers only damages to third-party property or injury, not your own vehicle.
· Immediate Coverage: If the insurance policy is effective from the day of delivery, the car is generally covered against accidental damage.
3. Steps to Take if a New car is Damaged
If a vehicle is damaged immediately after purchase, buyers should:
1. Inform the dealership and insurer immediately.
2. File a claim with the insurance company, providing all necessary documents, including the delivery invoice and photographs of the damage.
3. Get the car assessed by the insurer’s surveyor, who will determine the extent of damage and repair cost.
4. Role of the Dealer
Dealerships usually assist in insurance claims and repair approvals, especially when the accident occurs right after delivery. Some dealers also offer temporary replacement vehicles while the claim is being processed.
5. Key Takeaways for Buyers
· Always verify that insurance coverage starts on delivery day.
· Consider comprehensive insurance rather than just third-party coverage.
· Keep contact numbers of both the insurance provider and dealer handy for immediate assistance.
· Take photos of the car at delivery, which can help in case of disputes.
6. Conclusion
While a new car accident immediately after purchase is stressful, proper insurance coverage ensures financial protection. Buyers must be proactive and informed about policy terms to avoid unnecessary losses.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.
.jpg)
click and follow Indiaherald WhatsApp channel