Know the rules to claim insurance if car is damaged by Diwali firecrackers

Due to negligence while bursting firecrackers during the Diwali festival, a parked car can suffer major damage from a falling rocket or sparks from firecrackers. According to a report by Sandesh (Business), whether an insurance claim will be available in such a situation depends on the type of insurance policy you hold.

If you have comprehensive or package insurance for your car, you can claim for damages caused by fire due to firecrackers. This type of policy generally provides protection against damage to the vehicle caused by fire, explosion, and external accidental events. For example, if the bonnet, glass, or wiring of a car is burnt due to a rocket falling from a house terrace, an insurance claim can be made. However, the final decision to approve the claim will depend on the terms of the policy and the investigation by the insurance company.

On the other hand, if you only have third-party insurance, no compensation will be provided for the damage caused to the car. Therefore, it is necessary for vehicle owners to be aware of the type and terms of their policy to avoid difficulties at the time of loss.