MUMBAI: It occurs solely in India. Coconuts touchdown on unsuspecting vehicles, stray canines mauling autos, offended peacocks pecking at their reflection and harassed elephants venting on vehicles: these are among the motor accident claims that ended up giving insurers a headache, and possibly fun, in 2023. While these might be chalked up as distinctive to the Indian market, one might have made it to any funny-fail video: a purchaser inadvertently drove a automotive proper by means of a showroom window!
Insurers stated the most typical accident declare arises from being hit from behind by one other automobile. Frontal collision comes subsequent, after which come circumstances of hit-and-run. Claims for colliding with a set object or a parked automobile are comparatively decrease however are a part of mainstream claims. Falling branches are additionally on the record.
While insurers pay out 1000’s of claims for unintended damages brought on by collision claims, there are a number of outlier claims involving animals. Many states witness human-elephant conflicts: claims on account of ‘jumbo’ harm are available in from Assam, West Bengal, Karnataka, Kerala and Tamil Nadu. According to a year-end round-up by new age insurer Go Digit, the corporate has paid greater than 20 claims the place an elephant was the first trigger of harm.
Stray canines are one other rising concern for insurers. Just one space — Indira Nagar in Lucknow — had 110 circumstances of autos being broken by strays, based on the personal insurer.
“There have been numerous instances of dogs causing damage to cars. What is unusual is the frequency of claims originating from a specific area within a city, underscoring the problem of stray dogs,” stated Easwara Narayanan, chief working officer of Go Digit, who added that coconut casualties had been additionally on the rise.
Although public sector insurance corporations don’t preserve a database of claims by explanation for the accident, an official with a public sector insurer reported offended peacocks pecking at their reflection on the automotive and inflicting harm. Another case was of a automotive being irrecoverably misplaced in a gorge at a development website and having to be settled as a constructive complete loss.
Bajaj Allianz General Insurance too had a justifiable share of animal-related claims final 12 months. “Instances have been observed where buffaloes and goats have caused damage to cars. Additionally, there have been cases of monkeys dropping objects on cars, resulting in damage. One peculiar incident involved a car buyer driving a vehicle through the showroom glass,” stated an organization spokesperson.
Insurers stated the most typical accident declare arises from being hit from behind by one other automobile. Frontal collision comes subsequent, after which come circumstances of hit-and-run. Claims for colliding with a set object or a parked automobile are comparatively decrease however are a part of mainstream claims. Falling branches are additionally on the record.
While insurers pay out 1000’s of claims for unintended damages brought on by collision claims, there are a number of outlier claims involving animals. Many states witness human-elephant conflicts: claims on account of ‘jumbo’ harm are available in from Assam, West Bengal, Karnataka, Kerala and Tamil Nadu. According to a year-end round-up by new age insurer Go Digit, the corporate has paid greater than 20 claims the place an elephant was the first trigger of harm.
Stray canines are one other rising concern for insurers. Just one space — Indira Nagar in Lucknow — had 110 circumstances of autos being broken by strays, based on the personal insurer.
“There have been numerous instances of dogs causing damage to cars. What is unusual is the frequency of claims originating from a specific area within a city, underscoring the problem of stray dogs,” stated Easwara Narayanan, chief working officer of Go Digit, who added that coconut casualties had been additionally on the rise.
Although public sector insurance corporations don’t preserve a database of claims by explanation for the accident, an official with a public sector insurer reported offended peacocks pecking at their reflection on the automotive and inflicting harm. Another case was of a automotive being irrecoverably misplaced in a gorge at a development website and having to be settled as a constructive complete loss.
Bajaj Allianz General Insurance too had a justifiable share of animal-related claims final 12 months. “Instances have been observed where buffaloes and goats have caused damage to cars. Additionally, there have been cases of monkeys dropping objects on cars, resulting in damage. One peculiar incident involved a car buyer driving a vehicle through the showroom glass,” stated an organization spokesperson.
