MUMBAI: It occurs solely in India. Coconuts touchdown on unsuspecting automobiles, stray canine mauling automobiles, indignant peacocks pecking at their reflection and confused elephants venting on automobiles: these are a few of the motor accident claims that ended up giving insurers a headache, and possibly amusing, in 2023. Whereas 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 automobile proper by way of a showroom window!
Insurers stated the commonest accident declare arises from being hit from behind by one other car. Frontal collision comes subsequent, after which come circumstances of hit-and-run. Claims for colliding with a set object or a parked car are comparatively decrease however are a part of mainstream claims. Falling branches are additionally on the record.
Whereas insurers pay out hundreds of claims for unintentional damages attributable to 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. In keeping with 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 injury.
Stray canine are one other rising concern for insurers. Only one space — Indira Nagar in Lucknow — had 110 circumstances of automobiles being broken by strays, in response to the personal insurer.
“There have been quite a few situations of canine inflicting harm to automobiles. What’s uncommon is the frequency of claims originating from a particular space inside a metropolis, underscoring the issue of stray canine,” stated Easwara Narayanan, chief working officer of Go Digit, who added that coconut casualties had been additionally on the rise.
Though public sector insurance coverage corporations don’t keep a database of claims by explanation for the accident, an official with a public sector insurer reported indignant peacocks pecking at their reflection on the automobile and inflicting harm. One other case was of a automobile being irrecoverably misplaced in a gorge at a building web site and having to be settled as a constructive whole loss.
Bajaj Allianz Normal Insurance coverage too had a fair proportion of animal-related claims final 12 months. “Cases have been noticed the place buffaloes and goats have triggered harm to automobiles. Moreover, there have been circumstances of monkeys dropping objects on automobiles, leading to harm. One peculiar incident concerned a automobile purchaser driving a car by way of the showroom glass,” stated an organization spokesperson.
Insurers stated the commonest accident declare arises from being hit from behind by one other car. Frontal collision comes subsequent, after which come circumstances of hit-and-run. Claims for colliding with a set object or a parked car are comparatively decrease however are a part of mainstream claims. Falling branches are additionally on the record.
Whereas insurers pay out hundreds of claims for unintentional damages attributable to 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. In keeping with 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 injury.
Stray canine are one other rising concern for insurers. Only one space — Indira Nagar in Lucknow — had 110 circumstances of automobiles being broken by strays, in response to the personal insurer.
“There have been quite a few situations of canine inflicting harm to automobiles. What’s uncommon is the frequency of claims originating from a particular space inside a metropolis, underscoring the issue of stray canine,” stated Easwara Narayanan, chief working officer of Go Digit, who added that coconut casualties had been additionally on the rise.
Though public sector insurance coverage corporations don’t keep a database of claims by explanation for the accident, an official with a public sector insurer reported indignant peacocks pecking at their reflection on the automobile and inflicting harm. One other case was of a automobile being irrecoverably misplaced in a gorge at a building web site and having to be settled as a constructive whole loss.
Bajaj Allianz Normal Insurance coverage too had a fair proportion of animal-related claims final 12 months. “Cases have been noticed the place buffaloes and goats have triggered harm to automobiles. Moreover, there have been circumstances of monkeys dropping objects on automobiles, leading to harm. One peculiar incident concerned a automobile purchaser driving a car by way of the showroom glass,” stated an organization spokesperson.
