If anyone buys a car, it is necessary to get third-party insurance. In India now it has been made mandatory. That is, when you buy a car, then only you will have to get third-party insurance. Generally, there are two types of car insurance. The first of these is comprehensive insurance. And the second is third-party insurance.
A comprehensive insurance policy covers most of the damages in your car. But if you get one thing done in your car, then it may be difficult for you to get the claim for car insurance. Let us tell you which thing done in the car can get your insurance money stuck.
Claim can get stuck due to car modification.
Nowadays many people like to do modifications to their cars. People want to give a personal touch to their cars. People change many things inside the car. They change the suspension system of the car. They change the handle of the car. They change the lights of the car. Some people do so many modifications to their car that it is not even possible to identify which model of car it is.
Where people make the car look better by modification. Or add new facilities to it. So due to the same modification, their insurance can be affected. So along with that, if after modification, there is any defect in the car. Or something happens. Then the insurance company can also refuse to give you an insurance claim.
What should be done in such a situation?
If you have got any modification done in the car. Then you should tell your insurance company about it. Because according to that your insurance will be recalculated. Because after modification the insurance money can increase. If you have got the modification done without telling the insurance company.
And in such a situation, an accident happens with your car. Or there is some technical problem. Then the insurance company can reject your claim. And you can get a claim only for the parts included in the policy. That is why it is better that when you get modifications done in the car, then inform your insurance company about it.
