In the last few days, various parts of the country witnessed floods, which damaged a lot of property. Cars of many people were also submerged in the floods. In such a situation, questions are arising in the minds of people whether their insurance includes cover in case of car drowning?
If your car has been submerged in such a flood and you want to claim it, the first thing you should do is to talk to your insurance company about getting the vehicle repaired. This will give you an idea of how much the insurance company can help you.
At the same time, if you want to avoid any such loss in future and if your car is drowned in rain or flood, the insurance company should give you the full claim. For this, you should have a good understanding of the insurance products offered by the companies. You need to include add-ons related to natural events in your car insurance. This will increase your premium slightly, but will save you from any accidental loss.
Get Comprehensive Motor Insurance
You should always have comprehensive motor insurance to protect against natural events, so as to avoid damages caused by floods, hurricanes, cyclones and earthquakes. It will protect you from natural events as well as man-made hazards like car accidents, theft and other hazards.
Don’t just take third party insurance
In natural events, those vehicle owners who have insurance not to protect their vehicle but to avoid the police. In such a situation, you will have to pay the entire loss in the car out of pocket. Along with this, you should not leave any gap in insurance at all.
