Auto Updates: Know more about Car flood insurance claim!
Car flood insurance claim: There are many areas where floods keep happening, in such a situation, car owners face the danger that their car may drown, in such a situation, you must be aware of this insurance claim.
Car flood insurance claim: A car getting submerged in a natural disaster like a flood can cause a big problem. In such a situation, the biggest question in your mind is whether the insurance company will give you the full claim. Let's know about this in detail:
Will I get the full claim?
In most cases, yes: If you have taken comprehensive insurance for your car, then you are likely to get a full claim for your car submerged in a flood.
Conditions: However, certain conditions must be met to receive the claim such as:
Insurance policy: Your insurance policy must cover flood damage.
Notification: You need to inform the insurance company immediately after the incident.
Documents: You have to provide all the required documents like FIR, car registration certificate etc to the company.
Survey: The surveyor of the insurance company will survey your car and assess the damage.
Will you not get the full claim?
If you have taken Third Party Insurance: If you have taken only third-party insurance then you will not get any claim for flood damage.
If you have caused the damage intentionally: If you have intentionally submerged your car in the flood then you will not get any claim.
If you have given notification late: If you have informed the insurance company late after the incident, then there may be a delay in getting the claim or you may even get a lesser claim.
How to claim?
Inform the insurance company: Inform your insurance company immediately after the incident.
Be ready for the survey: The surveyor of the insurance company will survey your car, so keep the car in a safe place.
Keep all the documents ready: Keep all the required documents ready like FIR, car registration certificate, etc.
Fill out the claim form: The insurance company will give you a claim form, which you have to fill out carefully and submit.
Some important things
Read your policy: Read your insurance policy carefully so that you know what is covered under your policy.
Remove the car immediately: If your car is stuck in flood water, move it to a safe place as soon as possible.
Contact a mechanic: After removing the car, contact a mechanic and get the car checked.
Note: This information is for general information. In case of any specific situation, you should contact your insurance company.
You can answer these questions to find out more:
Which company owns your car?
Which insurance plan have you taken?
How much damage has your car suffered?
I hope this information will be useful for you.