Car Insurance: Many vehicles and homes have been severely damaged by the intense downpour that Cyclone Michaung brought with it. Social media is flooded with photos and videos of floating cars, submerged bikes, and cars being washed away. Car owners are left with little choice but to file a claim with their insurance company, despite the fact that rescue efforts are underway to the maximum extent possible. In this article, we will tel you how to file for a vehicle insurance claim due to floods.
How to file vehicle insurance claims due to flood damage?
1. Do not start the car
Try not to start your submerged car, no matter how tempting it may seem, as this could harm the engine. A policy of insurance does not cover such harm. Taking pictures of the submerged car is one thing you can do at that moment. You can still take pictures of the car’s damaged areas. Using technology now may be beneficial even when taking pictures is not required because they can be used later on to demonstrate damage.
2. Notify the insurer as soon as possible
Considering the probable surge of claims during the monsoon season, it is imperative that you notify your insurance carrier as soon as possible about the flood damage. Provide accurate information regarding the incident and your policy when you contact your insurer by phone or email.
3. Settlement process
Reimbursement is based on the severity of the loss. The car owner receives the insured value of the vehicle if it cannot be repaired.
In the aftermath of India’s floods, a number of insurance firms have made it apparent how one should proceed when submitting a claim for a flooded vehicle. Since there is a tendency for the number of claims in such a situation to rise quickly, they have further simplified the claim settlement procedures.
4. What to do if you misplace the documents?
There’s a potential that you will have the policy on email, so don’t panic if the flood destroys your paperwork. It is also possible to get your policy details by calling your insurance provider and providing them with the necessary information, including your name, phone number, and other details.
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