Emirates Insurance: Rain Damage Covered by Comprehensive Insurance Policies

Asma - | UAE

Mohammed Mazhar Hamada, Vice Chairman of the Supreme Technical Committee and Chairman of the Automotive Committee within the Emirates Insurance Federation, highlighted that comprehensive car insurance, which encompasses protection against loss, damage, and civil liability, inherently includes coverage for damages incurred due to rain.

This comprehensive coverage obviates the necessity for additional insurance, specifically for rain-related damages. Conversely, policies solely covering third-party liabilities may not extend coverage for damages caused by rain.

Hamada emphasized that the repair process adheres to established procedures, including the requirement of a police report, which serves to ascertain the immediacy of the damage, its causal link to rain, and its absence of pre-existing conditions. These measures are implemented to ensure that claims are valid and accurately reflect the circumstances surrounding the damage incurred.

Furthermore, Hamada stressed the importance of timely action in initiating the repair process, particularly in the aftermath of rain-related incidents. He underscored that immediate attention is crucial to prevent the exacerbation of damages and to ensure the safety and functionality of vehicles. By promptly reporting damages and initiating repairs, policyholders can mitigate potential risks and minimize the impact of adverse weather conditions on their vehicles.

In addition to highlighting the coverage provided by comprehensive car insurance, Hamada underscored the significance of understanding policy terms and conditions. He emphasized the importance of policyholders being well-informed about the extent of their coverage, including any limitations or exclusions that may apply. By familiarizing themselves with their insurance policies, individuals can make informed decisions and effectively manage risks associated with unforeseen events, such as rain-related damages.

Overall, Hamada's insights shed light on the comprehensive nature of car insurance coverage and the importance of adhering to established procedures in the event of rain-related damages. His remarks underscore the need for proactive measures to safeguard vehicles and ensure the prompt resolution of insurance claims.

By adhering to established protocols and maintaining a clear understanding of policy terms, individuals can effectively navigate the complexities of car insurance and mitigate the risks associated with adverse weather conditions.

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