Car Insurance Rules For Damages Caused By Monkey: Anyone buys a car in India. So it is necessary to get its third party insurance done. This thing has been compulsorily implemented by the Government of India in the rules of the Motor Vehicles Act. No person can drive a vehicle on the road without third party insurance. Third party insurance covers the damage caused to another vehicle or person in accidents caused by the vehicle.
The loss incurred in the accident is compensated by the insurance company. Recently a monkey fell on the sunroof. Due to which the sunroof of the car broke. So many times monkeys even break the windshield of the car. What insurance is available in such a situation? Let us tell you the rules related to this.
Will you get insurance if a monkey breaks the sunroof or windshield of the car?
If you have only third party insurance. And your car has been damaged by a monkey. He has broken the sunroof or windshield of your car. So will you get an insurance claim in such a situation? So let us tell you that the damage caused by animals is not covered under third party insurance. Because in third party insurance, only those losses are covered which are caused by external circumstances like road accident.
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Cover will be available in comprehensive insurance policy
It is not that your car will not get insurance in case of animal attack or monkey breaking the windshield or sunroof. Actually it depends on which insurance policy you have taken. If you have a comprehensive insurance policy. So any kind of animal except monkey causes damage to your car. Then you will get his claim.
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This insurance is necessary to avoid animal attack
If you take a comprehensive insurance policy for your car. So you will not only be able to get a claim for the monkey breaking the windshield and sunroof of the car. You are going on a highway and your car accidentally collides with an animal. So the loss incurred therein will also be covered. Along with this, if your pet does some damage inside your car like chewing and tearing the seat. So that will also be covered. Apart from this, the animal damages the wiring of your car. So that will also be covered in this policy
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