Hail damage ke liye claim karna chahiye ki nahi, yeh kuch niyamon par nirbhar karta hai. Aap yaha padh sakte hain ki kaise aap hail damage claim kar sakte hain.
Hail se Hue Nuksan ka Aakalan
Hail ya aule se hue nuksan ka aakalan karna humara sabse pehla kadam hai. Yeh jaana zaroori hai ki nuksan kitna zyada hua hai. Aur kya ise theek karwana hume zyada mehnga padega?
Insurance Coverage
Agar aapke paas comprehensive insurance hai to aule se hue nuksan ka claim kiya ja sakta hai. Lekin liability insurance me aule se hue nuksan ko cover nahi hota, yeh baat ka aap dhyaan rakhein.
Comprehensive insurance policies hone par hi daava karna hi faydemand hoga aur aapko laabh mil payega.
Nuksan ki Gambhirta
Agar aapko jo aule ki wajah se nuksan hua hai vo agar zyada hai aur uski marammat me kharcha adhik lag raha hai to insurance claim karna ek uchit vikalp hoga jisse aapka kharcha kam ho aur aapke paise bach sake. Yadi aapka nuksan mamuli hai ya kam hua hai to aapko marammat ki lagat aur deductible ki tulna karna chahiye aur phir aapko decide karna chahiye ki claim karna hai ya nahi.
Insurance Premium
Aule se hue nuksan ko “act of nature“mana jata hai isliye aapka premium nahi badhega. Aaiye hum jaante hain ki “act of nature” ka matlab kya hota hai aur yeh insurance me kya bhumika nibhata hai.
Act of Nature: – Act of nature ka matlab hai ki aise incidents jo ki human yani ki hum aur aap jaise log ke control ke bahar hote hain aur jo naturally hote hain jaise ki bhookump, toofan, baad, bijli girna aur aule girna. Yeh ghanta aksar bina bataye ya bina chetavni ke hote hain aur inka prabhav bohot vinashkari ho sakta hai.
Insurance ke sandharb me “act of nature” ko cover karne ke liye alag se policies hoti hain jo in prakritik aapdaon se hone wale nukasan ko cover karti hain jab aapke property ya vehicle ko prakritik aapdaon se nuksan hota hai. Agar aap aise location par rehte hain jaha par aise aapdaayein aati hain to aapko aise policies lena ek accha vikalp ho. Maine niche kuch insurance policies diye hain, aap check kar sakte hain unke details aur yadi aapko vo sahi lagte hain to le sakte hain kyunki aaj kiya hua faisla bhavishya me aane wale chunautiyon se hume bachayega.
Claim Process
Ab hum dekhenge ki aap claim process ke liye kaun kaun se kadam mahatvapurn hain:
- Nuksan ka Dastavezikaran Karein
- Photo Lein: Sabse pehle, apni car ke sabhi nuksanon ki spasht tasveerein lein. Yeh insurance company ko nuksan ka sahi aakalan karne me madad karega.
- Notes Banayein: Nuksan ki tareekh, samay aur sthal ke baare me notes banayein. Yeh jankari claim process ko sugam banayegi.
- Insurance Company se Sampark Karein
- Call Karein: Apni insurance company ke customer service number par call karein aur unhe nuksan ke baare me suchit karein.
- Claim Form Bharein: Insurance company dwara pradan kiye gaye claim form ko sahi-sahi bharein aur aavashyak dastavej sanlagna karein.
- Marammat ka Anuman Lein
- Marammat ki Dukaan Chunein: Kisi pratishthit marammat dukaan se sampark karein aur nuksan ka aaklan karayein.
- Likhit Anuman Prapt Karein: Marammat ki lagat ka likhit anuman prapt karein aur ise insurance company ko bhejein.
- Claim File Karein
- Claim Form Jama Karein: Bhare hue claim form aur marammat ke anuman ko insurance company ko jama karein.
- Claim Sankhya Prapt Karein: Insurance company se claim sankhya prapt karein taaki aap apne claim ki sthiti ko track kar saken.
- Insurance Company ka Nirikshan
- Nirikshak ka Daura: Insurance company ka nirikshak aapki car ka nirikshan karne aa sakta hai. Sunishchit karein ki aapki car nirikshan ke liye uplabdh ho.
- Nirikshan Report: Nirikshak ki report ke aadhar par insurance company aapke claim ko manzoori degi ya asweekar karegi.
- Claim Nipatan
- Claim Sweekriti: Agar aapka claim sweekrit ho jata hai, to insurance company marammat ki lagat ka bhugtan karegi.
- Marammat Karayein: Insurance company se bhugtan prapt karne ke baad, apni car ki marammat karayein.
- Claim Asweekriti
- Kaaran Janein: Agar aapka claim asweekrit ho jata hai, to insurance company se asweekriti ka kaaran janein.
- Appeal Karein: Agar aapko asweekriti ka kaaran uchit nahi lagta, to aap appeal kar sakte hain aur punah claim kar sakte hain.
Is prakriya ko follow karke aap apne claim ko sahi tarike se file kar sakte hain aur nuksan ka moolya prapt kar sakte hain.
Agar aapko yah information sahi lagi to please share karein aur comment karke apni sujhav dein.