Flooded Car Insurance: बारिश में कार डूबने पर कितना मिलेगा इंश्योरेंस क्लेम? जानिए क्या कवर होता और क्या नहीं

According to a report by Hari Bhoomi, vehicle owners in India are being advised to carefully review their insurance policies as monsoon-related flooding poses a significant risk to automobiles. The report highlights that the ability to claim damages for a car submerged in water depends heavily on the type of insurance coverage held by the policyholder.

Standard third-party insurance policies typically do not cover damages to the owner's own vehicle, including those caused by natural disasters like floods. For such coverage, a comprehensive insurance policy is generally required. Even with comprehensive coverage, the report notes that standard policies may not always cover internal mechanical damage, such as water entering the engine, which is a common and costly consequence of driving through flooded streets.

To mitigate these risks, insurance experts often recommend 'engine protection' add-on covers. This specific add-on is designed to compensate for repairs related to hydrostatic lock or water ingression in the engine, which are often excluded from basic comprehensive plans. Policyholders are encouraged to contact their insurance providers to verify their specific coverage limits and understand the documentation required to file a claim should their vehicle sustain water damage during the rainy season.