Car parked in the society premises and gets damaged due to thrown stone from outside?

[Master]

Any damage to car is covered (other than deliberate or self damage by the insured) under car insurance.

[ReVoLuTiOn]

Any damage to car is covered (other than deliberate or self damage by the insured) under car insurance.

How do the surveyor would knew that the damage is not deliberate?

[Vivek]

How do the surveyor would knew that the damage is not deliberate?

They are expert in the field and if you go to the ground, the ground speaks the truth, Hope you agree with me on this