How to File a Claim If Your Car is Damaged in Flood

When the clouds pour, no one can avoid the flood situations that occur due to the torrential rains. The city of Mumbai coming to a halt every year due to the heavy downpour is an apt example for this. Everything comes to a standstill, and even your car is not an exception. When water fills from all the sides, numerous cars stop due to the engine breakdown and have to be abandoned at that place.

Heavy rainfall can cause cities to flood causing damage to property including your vehicles. You can claim for the damage to your car if you have a comprehensive car insurance cover in place. In such unforeseen circumstances, having a car insurance policy can come to the rescue of the owners. You can easily file your car insurance online in the event of a car insurance claim due to flood damage by following these steps:

Step 1: Inform the insurance company immediately
In case of flood damage to your car, inform the insurance company immediately. You can call on the toll-free or the landline number given on your car insurance policy document.

Step 2: Provide necessary information
Once you get in touch with your insurance company, provide them all the required information. Start from the basic information such as where the car was parked, whether the car was being driven when it broke down, where was it left etc.

Step 3: Get your Claim Registration Number
Once the claim is registered by the car insurer, ask for the ‘Claim Registration Number’. This will be your unique number for all the future interactions with the insurance company.

Step 4: Get your vehicle towed
If your car was left at a certain place due to flood, it’s now time to get your vehicle towed. If you have car insurance, your policy would cover this and arrange a pickup for your vehicle.

Step 5: Interact with the surveyor
The insurance company appoints a survey or to assess the total damage to your car. Based on the assessment of the car, the surveyor will inform you about:
•    Amount payable by the insurance company towards the cost of repairs
•    Amount that you must bear if any

In case you feel any issue with the approved claim amount, you can check the same with the surveyor. You can approach your car insurance company online as well to seek clarification.

Step 6: Claim Approval Sheet
Once the claim is approved as per the insurance policy terms and conditions, the next step is to sign this sheet. Read and sign this sheet which may be given to you by the surveyor or the garage service team. Retain one copy for yourself.

It is important to understand that a car insurance policy offers cashless repair services at its network garages. It means, before taking your car to any nearby repair centre, check your car insurance policy document to know about the network garages.
If you take your car to a network garage, you would not require paying anything as the car insurance company will directly settle the bill with the repair centre. In case, you have taken your car to a non-network garage, pay the repairing bills, and approach the car insurance company later for reimbursement.     

Know the exceptions of your car insurance policy:
It is essential to know what your car insurance policy will not cover. Here is the list of some exceptions:
•    The insurance company would not cover the loss to the vehicle if it was done intentionally
•    The policy will not cover the depreciation on plastic parts, tyre, rubber parts unless you have taken a zero-depreciation add-on
•    Damage to electrical accessories is not covered
•    Damage to engine when driving through water logged area is not covered unless the person has taken an engine protector add-on

Must-do points:
It is essential that you follow these guidelines, otherwise the car insurance company can reject your claim as well:
•    When the water level is high, and your car is stuck at one point, do not start the engine
•    Avoid turning on the engine even after the water subsides
•    If possible get your car towed to a garage and ask the mechanics to rust-proof the car
•    Get your vehicle dried as early as possible