Does Your Car Insurance Cover Flood Damage? Key Coverage and Add-Ons You Should Know About

Does Your Car Insurance Cover Flood Damage? Key Coverage and Add-Ons You Should Know About

Does Your Car Insurance Cover Flood Damage? Key Coverage and Add-Ons You Should Know About

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Torrential rains have caused severe flooding in several states across India, raising concerns about insurance claims for submerged vehicles.

Several states across India are currently experiencing severe flooding due to torrential rains, with numerous videos surfacing showing vehicles being swept away by strong water currents. Cities like Mumbai and Thane have seen heavy rainfall, leading to significant waterlogging. Will those whose vehicles were submerged or damaged receive compensation from their insurance companies? Check details here:

The monsoon season has set in, reports of waterlogged streets and vehicles being carried away by floods have been pouring in from north to south and east to west. 

As, numerous cars and motorcycles submerged in water, vehicle owners are left wondering about the extent of their insurance coverage in such situations.

Motor insurance policies generally offer comprehensive coverage that includes protection against natural disasters. However, it is essential for policyholders to carefully read the documents before purchasing, as coverage for natural calamities can be optional. Comprehensive insurance policies provide protection against natural disasters such as floods, fires, earthquakes, and cyclones, as well as man-made disasters and accidents. On the other hand, third-party car insurance policies do not cover damages caused by floods or submersion.

In the event of such an incident, it is crucial to immediately notify the insurance company and inform the car manufacturer. Here are some steps to follow:

  • Notify your insurance company and car manufacturer as soon as possible.
  • Gather evidence of the damage, such as videos or photos of the submerged vehicle.
  • Keep all necessary documents handy, including the car’s registration certificate (RC), the driver’s license (DL), a soft copy of the policy documents, and evidence of the car’s damage.
  • If your car is submerged or stalled in water, do not attempt to start the engine or push the car, as this could cause water to enter the engine and lead to further damage.
  • Disconnect the car battery to prevent water from reaching electrical parts and components.
  • Check the car’s brakes, as water can enter the brake disc, brake pad, or brake line, potentially causing brake failure or malfunction.

Following these steps can help ensure that you provide all necessary information to your insurance company and increase the likelihood of a successful claim.