You can compensate for the loss of your vehicle through car insurance. But in order to compensate for the loss caused by natural calamities, it is necessary to take care of some important things while taking insurance.
Due to heavy rains in different parts of the country, flood like situation has happened. Somewhere the roads have been flooded, and somewhere the strong current of water has washed away the road itself. Videos of vehicles flowing at high speed of water are being seen a lot on social media. In such natural calamities, along with loss of life and property, your vehicles can also get damaged. If your car also gets damaged due to heavy rains, will the insurance company compensate for it? Let’s understand.
You can compensate for the loss of your vehicle through car insurance. Therefore, whenever you buy motor insurance, take special care of some important things, so that there is no problem in recovering any kind of loss through insurance claim.
Don’t just think about accident while taking insurance
While taking Motor Insurance, do not think only about its theft or damage and wear and tear in any part. Rather, also keep in mind whether the insurance you are buying is suitable for compensating for the loss caused by natural calamities like rain or flood. By taking care of such small things, you will be able to compensate for the loss of your vehicle due to natural calamities through insurance.
Take special care of these things
The pictures and videos that are coming out from different states amidst the havoc of the ongoing rains and floods. It is usually seen in them that the vehicles are stuck in the water. Due to this, heavy damage can be caused to the engine to the body of the vehicle. However, there are many such insurance policies in the market, which cover such damages. Just need to keep eyes and ears open while taking insurance.
Select such policy
To avoid such losses, the first thing to remember is to buy a car insurance that includes heavy engine cover. Engine seizure due to natural calamity is called hydrostatic lock. Insurance companies do not give claims in such cases because it is classified as an accident. According to the Motor Vehicles Act-1988, the damage caused by flood, rain, storm or any other natural calamity comes under the on damage cover. So choose an insurance policy that has the option of engine protection add-on.
Comprehensive Motor Insurance
If you have taken comprehensive motor insurance for your vehicle, you can claim for damages caused by any natural calamity like storm, cyclone, storm and hailstorm, rain or flood. There are two components in this policy. One on damage and second third party cover. On Damages covers damages caused to your car due to calamities or otherwise and the insurance company pays for your damages.
Claim insurance like this
- Register for a claim on the toll-free number of the respective insurance company using your policy number.
- Download the claim form from the company’s website and fill it. Submit all the documents and submit the claim form.
- After the claim application, the vehicle will be checked by the company surveyor or video survey. During this keep all the documents with you.
- On completion of the survey of the vehicle, the surveyor will file his report and after doing so, your insurance claim will come.
