Car Insurance Cover Flood Damage: With the arrival of monsoon, heavy rains are falling in many areas across the country. Sometimes cars get submerged or washed away due to torrential rains. In such a situation, whether car insurance covers this natural calamity or not, let us know about this in detail
The rainy season has started. In this season, waterlogging occurs in many places from cities to villages. In which it is often seen that vehicles drown in this waterlogging. Sometimes cars get washed away due to heavy rain. 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 rain. In such a situation, the question is whether insurance is available from the insurance company if the car drowns or gets damaged in a natural disaster like rain, flood or not.
Actually, cars can suffer many types of damage due to drowning in waterlogging on the roads during rain. If water enters your car, its engine can get damaged. Which can cost a lot to get it repaired. In many cases, this cost can go up to 1 lakh. Along with this, the electric system and accessories can also be damaged. There is also a big cost in repairing them.
Which type of car insurance will benefit
If you have car insurance, you can get rid of all such problems. Comprehensive insurance policy is more beneficial for natural disasters, accidents, theft etc. In this, you get the cover to repair or replace the damage caused to the vehicle due to bad weather. However, this policy is optional. If you have taken a comprehensive insurance policy, then you can claim for all the losses caused due to flood, fire, theft. The reason for this is that the comprehensive policy covers all types of damage caused by flood or water.
Keep these things in mind while taking insurance
According to experts, many things should be kept in mind while taking insurance. In the cities of the country where you live, if a flood-like situation arises after rain, then in such a situation it is better to take a comprehensive insurance policy. Along with the standard comprehensive policy, add-on covers like zero depreciation and engine protection cover should be taken. The reason for this is that the damage to the engine due to water is not covered in the standalone policy. So, if you have taken an add-on cover for engine damage, then you can make a full claim to the company.
