With the arrival of monsoon, it is raining heavily in many areas across 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 one gets insurance from the insurance company if the car sinks or gets damaged due to natural calamities like rain or flood.
Rain
Along with the monsoon, it is raining heavily in many areas of the country. Due to excessive rain, many areas have been submerged in water. At the same time, even in hilly areas, vehicles often drown due to rain drains. Not only this, many times water even enters the underground/basement parking, causing vehicles to sink. In such a situation, vehicle owners have to face difficulties. Many times the repair bill runs into 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 harm occurs when water enters the car. According to experts, if water enters the engine, there is a possibility of engine damage. Apart from this, there is huge damage to electric panels and electronic systems. Apart from this, things like car interior, seat, AC vent can also get damaged.
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 the rain in the cities of the country where you live. So 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 standalone policy does not cover damage to the engine due to water, but if you have taken add-on cover for engine damage, then you can make a full claim with the company.
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Positive Takeaway
Car insurance is crucial because it provides financial protection against accidents, theft, and natural disasters. It covers repair costs, medical expenses, and legal fees, ensuring peace of mind and compliance with legal requirements. Without it, you risk significant financial loss and legal consequences.
