What to do when your car is buried in a landslide and inspection for insurance claim is impossible

Not only is your vehicle at risk of significant damage, but the inability to inspect it can pose challenges when filing an car insurance claim process. Encountering a landslide can be a frightening experience and if your car becomes buried in the debris, it can be an overwhelming situation. Zurich Kotak General Insurance will discuss the steps you can take when your car is buried in a landslide and inspection for an four-wheeler insurance claim seems impossible.

Steps you can take when your car is buried in a landslide

Below mentioned are the steps you can take when your car is buried in a landslide:

• Prioritize safety

If your vehicle is buried in a landslide, it is crucial to prioritise your well-being and that of any passengers. The first and foremost concern is your safety. Stay inside the vehicle if it is stable and there is no immediate danger. If there are signs of structural instability or the risk of further landslides, evacuate the vehicle and move to a safe location.

• Contact emergency services

Inform them about the landslide incident and the location of your buried vehicle. Once you are in a safe location, contact the appropriate emergency services, such as the local police department or emergency hotline. They can provide guidance and assistance in managing the situation.

• Inform us

Notify Zurich Kotak Car Insurance about the landslide incident as soon as possible. Provide them with accurate details of the incident, including the location, time and circumstances. Explain that the vehicle is buried and inaccessible for inspection. We will guide you on the next steps to initiate the car insurance claim process.

• Document the incident

Take photographs or videos of the landslide area, showing the extent of the damage and the conditions surrounding your buried vehicle. While you may not be able to physically inspect the vehicle at this stage, it is important to document the incident to support your insurance claim. These visual records will be valuable evidence for your claim.

• Gather supporting documents

To strengthen your insurance claim, gather any supporting documents related to the landslide incident. These documents can help substantiate your claim and demonstrate that the damage to your vehicle was a result of the natural disaster. This may include weather reports, news articles, eyewitness statements or any other relevant information that can verify the occurrence of the landslide.

• Obtain professional assessments

Once the situation stabilizes and it is safe to do so, consult with professionals such as geotechnical engineers or surveyors who specialise in landslides. They can assess the stability of the area and provide expert opinions on the condition of your buried vehicle.

• Follow insurance claim process

Be prepared to provide any additional information or documentation they require. Follow the insurance claim process as outlined. Maintain open communication and promptly respond to any requests for information.

Conclusion

Dealing with a situation where your car is buried in a landslide can be overwhelming, particularly when it comes to filing an insurance claim. Prioritise your safety as soon as possible. Taking these steps can navigate the challenging process and increase the chances of a successful insurance claim for the damage caused by the landslide.

Related blogs

How you can raise a car insurance claim in under 5 minutes

Know if you can you claim car insurance on non repairable damages

Reimbursement Vs Cashless Car Insurance Claims