Owning a car is a huge responsibility. It must be serviced regularly and protected with a comprehensive car insurance plan. Also, having a responsible driver with a valid driving license under their name is wise. However, despite the utmost precautions, unfortunate incidents do take place.

Natural disasters are one such scenario that comes without any prior warning. Knowing that India is quite prone to flood-like situations during monsoons, it is wise to safeguard your car in advance. A comprehensive car insurance plan is known to cover third-party liabilities and damage incurred due to accidents, theft, or natural disasters. This plan will ensure that your vehicle has all-around protection in any crisis.

This section will discuss how to claim your car insurance plan for flood damage.

Steps to Register a Claim for Flood-Damaged Cars 

Step 1: Register the claim with your insurer online or call them on their toll-free number.

Step 2: Provide them with the requested details and documents regarding the incident. In case of flood damage, you need to give them details about where your vehicle was parked, whether you were driving it when it broke down or otherwise.

Step 3: Once the insurer has the necessary details, they will give you a Claim Registration Number to be used as a reference for future follow-ups.

Step 4: The insurer will schedule a time to pick up your car and tow it to the nearest network garage.

Step 5: The insurer will assign a surveyor to assess the damage to your car. Upon the investigation of the extent of the damage, the network garage team will be consulted. Then, you will be informed regarding the damage repair expenses. Now, depending on your car insurance coverage, your insurer will compensate the total amount or request you pay a percentage of the costs incurred.

Step 6: Sign the claim approval form and retain a copy for future reference.

Step 7: Check the timeline for your vehicle’s repair and delivery. Take follow-ups from the said garage whenever needed.

Step 8: Once the car is repaired, check the repairs list to ensure the work is done. Once verified, pay the necessary percentage of the compensation amount (if any) and wait for the insurer to settle the remaining amount. The insurer will do so if you are total compensation within the set timeline.

Step 9: Sign the final set of claim documents and take the delivery of your repaired vehicle.

Note that your insurer will directly compensate for the damage repair expenses with the garage in case of cashless claim settlements.

In the End

When buying car insurance plans in India, selecting extensive coverage, such as a comprehensive plan, is wise. A comprehensive car insurance plan ensures that the insurer takes care of any damage to your vehicle in case of accidents, theft, or loss due to artificial and natural disasters.

Moreover, the policy allows you to enhance coverage with add-on benefits as necessary. If you are worried about the policy’s cost, use the car insurance calculator to determine the premiums charged based on the chosen coverage and add-ons.