Fog Crashes: Insurance Coverage, Claim Rejection Risks & Expert Tips

• Dense winter fog causes a spike in road accidents, particularly in North India, leading to complex insurance claims.
• Multi-vehicle pileups and extensive damage, like those on Delhi-Agra Expressway, necessitate additional insurer assessments.
• Experts recommend comprehensive motor insurance and maintaining an accurate Insured Declared Value (IDV) for adequate compensation.
• Optional covers such as zero depreciation, return-to-invoice, and roadside assistance enhance financial protection.
• Driver negligence (e.g., speeding, not using fog lights) or misrepresentation of facts can lead to claim rejection.