Car and bike got washed away in flood, will we get the full insurance money? Know the rules of claim

Heavy rainfall is causing havoc in many states of the country. Be it Madhya Pradesh, Rajasthan, Maharashtra or Gujarat, all the states are in a bad state due to torrential rains. In Gujarat, the flood situation has made the situation even worse. Somewhere people’s houses have become islands, somewhere cars and bikes are seen floating in the floods. While loss of life and property is seen due to these natural disasters, there are more incidents of damage to vehicles. In such a situation, it is important to know that if your car is also washed away in heavy floods or gets damaged after getting stuck in the rain water, then does the insurance company compensate for this loss?

If you take these precautions while taking insurance, you will be benefited
Due to torrential rains, flood-like conditions have arisen in different parts of the country due to heavy rains. Social media is full of such pictures in which luxury and expensive vehicles are seen floating in flood water or are seen buried under broken trees somewhere. In such a situation, car owners can get their loss compensated from the insurance company only if they have taken care of some important things while buying motor insurance. While buying motor insurance, it is important to think not only about its theft or damage to any part, but also about the damage caused by flood or rain.

If you have focused on buying insurance whether it is suitable to compensate for the loss caused by natural calamities like rain or flood or not. That means you should buy such car insurance which also includes heavy engine cover. Engine seizure due to natural calamity is called hydrostatic lock. In such cases, insurance companies avoid giving claim. In such a situation, while taking insurance, definitely choose the options that cover the loss caused by these natural calamities.

What is Comprehensive Motor Insurance?
According to the Motor Vehicle Act-1988, damage caused by flood, rain, storm or any other natural disaster is included in the on-damage cover. In such a situation, when you take car insurance, choose an insurance policy that has the option of engine protection add-on. If you have taken Comprehensive Motor Insurance for your vehicle, then you can claim from the insurance company for damage caused by any natural disaster like storm, cyclone, hurricane and hailstorm, rain or flood.

Compensation through on damage cover
Comprehensive motor insurance has two components. One is on-damage and the other is third party cover. The on-damage cover compensates for the damage caused to vehicles in natural disasters. Through this, the insurance company pays for your loss in full. It is usually seen that vehicles stuck in rain or flood water can suffer heavy damage from the engine to its body, which can be covered through this. There are many such insurance policies (Motor Insurance Policy) available in the market, which cover such damages. All you need to do is keep your eyes and ears open while taking insurance. Then you can easily compensate for the loss.

Claim insurance like this

1. Register for claim on the toll-free number of the concerned insurance company using your policy number.
2. Download the claim form from the company’s website and fill it. Submit all the documents and submit the claim form.
3. After applying for the claim, the vehicle will be inspected by the company surveyor or video survey. During this time, keep all the documents with you.
4. Upon completion of the vehicle survey, the surveyor will file his report and after doing so, your insurance claim will be processed.