With the onset of monsoon, many areas across the country have received heavy rainfall. In many areas, flood-like conditions have arisen after the rain. But do you get insurance claim if your car drowns in water?
With the onset of monsoon, many areas across the country are receiving heavy rainfall. Some videos of the capital Delhi and Uttarakhand are going viral on social media. In which it is seen that many cars are floating in water after heavy rains. In such a situation, the question is whether you get insurance from the insurance company if your car drowns or gets damaged in a natural disaster like rain, flood.
Rain
With the onset of monsoon, many areas across the country are receiving heavy rainfall. Due to heavy rainfall, many areas have been submerged in water. In hilly areas also, vehicles often get submerged due to rainwater drains. Not only this, many times water enters even the underground/basement parking, due to which vehicles get submerged. In such a situation, vehicle owners have to face difficulties. At times, the repair bill comes in lakhs. In such a situation, the question is whether insurance covers the damage caused by flood or rain.
Damage to the car?
Today we will first tell you what damage happens when water enters the car. According to experts, if water enters the engine, there is a possibility of engine damage. Apart from this, electric panels and electronic systems suffer heavy damage. Apart from this, things like car interior, seat, AC vent can also get damaged.
How to get insurance
Let us tell you that there are many types of car insurance. If a person has taken a comprehensive insurance policy, then that person can claim damage due to flood. According to a report, if you have taken a comprehensive insurance policy, then you can claim all the damage caused due to flood, fire or theft. Because the comprehensive policy covers all types of damage caused by flood or water.
What to keep in mind while taking insurance?
According to experts, many things should be kept in mind while taking insurance. If there is a flood like situation after rain in the cities of the country where you live, then you should take a comprehensive insurance policy. Along with the standard comprehensive policy, add-on covers like zero depreciation and engine protection cover should be taken. Because the damage to the engine due to water is not covered in the standalone policy, but if you have taken an add-on cover for engine failure, then you can make a full claim to the company.
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