Whose cars were washed away in the flood, how will their millions be compensated? What do the rules and regulations say about the Act of God?

New Delhi. With the onset of Sawan, weather like Bhadon has started in the whole country. Heavy rains have affected life in many areas of the country. You must have also seen on TV that the flood of water on the roads is as if a river has overflowed and many cars are seen flowing in it. In many cities, the Meteorological Department has declared an alert and there is a flood-like situation. In such a situation, vehicles, especially cars, are suffering a lot.

Now in such a situation, the question arises that what will happen if a car gets damaged in the flood or if it gets swept away in a raging river. Will there be an insurance claim for that loss? Will there be a loss of lakhs or will the insurance company give some relief? Let us tell you what happens to the damage caused to the vehicles due to floods….

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Keep in mind before taking insurance
Before taking insurance, it is important to keep some things in mind. Always get the car insured under a comprehensive policy. It is also important to keep some things in mind under this policy.

• Make sure to take engine protection cover under the comprehensive policy. For this you will have to look at a higher premium.
• Must take return to invoice as an add on. Its biggest advantage is that if your car is so damaged during the flood that it cannot be repaired and it is coming in the category of total loss, then through this add on, you will get the inspection value of the car i.e. at that time. What is the value of your car, it can be found. Damage caused by an Act of God like flood, earthquake or storm is covered in this add on of the policy.
• On the other hand, engine protection and comprehensive insurance are effective in getting the damages done to the car due to flood rectified. Due to having engine protection, if there is a fault in any engine part of the car, it can be rectified under the insurance.

How to get the claim of the vehicle in the flood
After the car is washed away in the flood, it is necessary to inform the police about it. Along with this, along with the report of the Disaster Department and the registration papers of the car, you have to submit a copy of the insurance to the company. After this, the company evaluates your vehicle according to the price at that time and after getting all the process and documents, you are given a claim check.

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Tags: Auto News, Bike News, car insurance, floods, heavy rain