If the car gets damaged or submerged in water due to rain, can you get insurance? Know what the rule is

With the onset of monsoon, there has been heavy rain in many states of the country including Delhi. Due to which many areas have become waterlogged. Because of this, water entered some basement parking and vehicles were submerged. Water intrusion into a car can cause major damage and cost thousands of rupees in maintenance. The question then arises whether the insurance company covers the damage caused by flood or rain or not. We will know about it in this article.

Damage to the car

If water gets into your car, it can be damaged. According to experts, if water enters the engine, the engine is likely to fail. Electric panels and electronic systems may be damaged. Many interior parts are prone to rust. If water enters the gear box, the gear box may be damaged or damaged.

If you have taken a comprehensive insurance policy, you can claim for flood damage. This policy covers all losses due to flood, fire or theft. A comprehensive policy covers all types of damage caused by flood or water. However, only 50 percent coverage is available on all plastic and rubber parts.

In which case the claim can be rejected?

Insurance companies offer coverage for all flood-related losses, in some cases they even deny claims. Claims for damage caused by the car owner's negligence after a flood may be denied. If your car is parked in a basement and gets flooded, and you inform the insurance company directly, the company tows your car to a service center or garage, there is no problem with the claim. But if you try to start the vehicle after sinking, your engine will go into hydrostatic lock. In this case the insurance company will not cover the loss of engine failure as it is a loss caused by your negligence.