Encountering animals on the road, such as dogs, cows, or bulls, is a common sight, especially in India. Sometimes, these animals accidentally collide with vehicles, leading to damage. The question arises: If a bull or any other animal hits your car, will your insurance company cover the damage? Let’s break down the answer to this important question.
Car Insurance Policies: What You Need to Know
Not all car insurance policies are the same, and it’s crucial to understand the difference when it comes to claims related to animal attacks.
- Third-Party Insurance: This type of insurance is mandatory by law but offers limited coverage. It primarily covers damages to another person’s vehicle or property in an accident where you are at fault. However, third-party insurance does not cover damages caused by an animal attacking your car.
- Comprehensive Insurance: This is where you find protection against such incidents. A comprehensive insurance policy covers a wide range of scenarios, including damages caused by animals. If your car is hit by a bull or any other animal, the insurance company will likely cover the repair costs, provided you have a comprehensive policy.
How Animals Can Damage Your Car
There are several ways animals can cause damage to your vehicle:
- Sudden Appearance on the Road: If an animal suddenly appears in front of your car, you might brake hard to avoid hitting it. This sudden braking can sometimes lead to an accident. In such cases, a comprehensive insurance policy can cover the damages.
- Fighting Animals: Stray animals, such as bulls, may get into fights that can cause damage to nearby vehicles. If your car is damaged during such an incident, your comprehensive insurance policy should cover the repair costs.
Benefits of a Comprehensive Insurance Policy
Having a comprehensive insurance policy offers peace of mind and broader coverage for various situations, including:
- Animal Attacks: As mentioned earlier, damages caused by animals, whether from direct impact or as a result of trying to avoid them, are typically covered.
- Accidents and Other Damages: Comprehensive insurance also covers damages from accidents, natural disasters, theft, and vandalism, making it a much more inclusive option compared to third-party insurance.
In summary, if you want to protect your vehicle from a wide range of potential damages, including those caused by animals, it’s essential to opt for a comprehensive insurance policy. While third-party insurance is the basic legal requirement, it won’t cover situations like an animal attacking your car, leaving you to bear the repair costs.
