There is never any notice before a natural disaster strikes. Many cities in our country were flooded this year due to the severe rains. Cars and buildings were both wrecked by the monsoon deluge. Envision seeing the car you finally purchased after years of saving your money ruined by flood waters. As long as you have auto insurance, you won’t have to worry about losing any money due to the accident.
However, it’s important to know if your car insurance covers water damage to your vehicle. If that’s the case, please explain the requirements for doing so and how to go about making a claim. After finishing this article, you will thoroughly understand your policy’s coverage for flood-damaged vehicles and how to file a claim.
What’s Included with the Premium
Third-party liability and comprehensive policies are the two most common types of insurance. All automobiles must have third-party liability coverage, and additional coverage for the insured vehicle is typically included in comprehensive insurance policies. It is up to the individual owner whether or not they choose to buy car insurance for their vehicle.
Flood damage is covered under package plans
When dealing with flood damage to a vehicle, you should keep a few things in mind to limit the extent of the damage and ensure a smooth claims process. Never turn on the ignition or start the engine if water is inside your car or if you think it may have been inside. Do not try to push-start the vehicle, either. If water is coming into, or has already come into, the car, disconnect the battery. If you need more help from the insurance company, don’t hesitate to get in touch with them from the car insurance app. Have the insurance company or the shop doing the repairs send out a tow truck if you need to transfer the car.
How to File a Claim for a Flood-Damaged Vehicle:
Make a call to the insurance company’s toll-free number for customer service or immediate notification of claims. Report the accident and any other information that may be required to your insurance company.
The next step is to receive a Claims Registration Number
Your insurer will pay for the towing costs if you need help getting your car into storage. Your claim form and registration certificate copy will be required. Depending on the nature of the insurance claim, we may also require additional paperwork. The insurance company will send out a surveyor or garage inspection agency to evaluate the wreckage. Once the surveyor has confirmed that your claim is valid, they will let you know how much the insurance company will pay and how much you will have to pay based on the policy’s terms.
After making your payment toward the total cost of repairs, you will be given your car back once they have been finished. If the garage is still left with a balance, the insurer will pay it.
If your car is beyond economical repair, the insurance company will help you sell it as-is and pay you the Insured Declared Value (IDV) sum specified in your policy. Your car’s lender or lessor will get money. *
A car destroyed by flooding would be uninsurable if at all repairable. In this case, the coverage that combines car insurance with other protections is a yes.
Does umbrella coverage include damage caused by rain?
Car insurance coverage will pay for repairs to your vehicle if things like floods or severe rainfall damage it.
Should I buy a car that has been flooded?
In case something unexpected happens and causes damage to your car, you can rest assured that you will be compensated. *
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.