With the onset of monsoon, heavy rain is falling in many areas of the country. Some videos of the capital Delhi and Uttarakhand are going viral on social media. In which it is seen that after heavy rain, many cars are floating in water. 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.
Rain
With the onset of monsoon, heavy rain is falling in many areas of the country. Due to heavy rain, many areas have drowned in water. At the same time, in hilly areas also, many times vehicles drown due to rain drains. Not only this, many times water enters even the underground/basement parking, due to which vehicles drown. In such a situation, car owners have to face difficulties. At the same time, many times the bill for repair comes in lakhs. In such a situation, the question is whether insurance covers the damage caused by flood or rain.
Damage to the car?
Today, we will first tell you what damages happen when water enters the car. According to experts, if water enters the engine, then there are chances of the engine getting damaged. Apart from this, electric panels and electronic systems suffer heavy damage. Apart from this, things like car interiors, seats, AC vents can also get damaged.
How to get insurance
Let us tell you that there are many types of car insurance. If a person has taken a comprehensive insurance policy, then that person can claim damage caused by flood. According to a report, if you have taken a comprehensive insurance policy, then you can claim for all damages caused due to flood, fire or theft. Because the comprehensive policy covers all types of damage caused by flood or water.
What to keep in mind while taking insurance?
According to experts, many things should be kept in mind while taking insurance. If there is a flood like situation after rain in the cities of the country where you live, then you should take a comprehensive insurance policy. Along with the standard comprehensive policy, add-on covers like zero depreciation and engine protection cover should be taken. Because the damage to the engine due to water is not covered in the standalone policy, but if you have taken an add-on cover for engine failure, then you can make a full claim to the company.
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