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Tips to Reduce Reliance on Insurance Claims During Monsoon

The season of monsoon is the time when ‘Dhamaka’ offers do their rounds around the market arenas. Naturally, weekends witness heavier traffic as people dare to leave their homes braving the rains and pick up some ‘last minute’ goodies from the stores. Now, come to the pain area. As you are planning to hit the shopping mall to lift ‘devil’s share’ take precautions to battle the truant rain. Are you ready to dare the bare pothole filled roads during the season of heavy showers? If yes, then you need to take special protection for your ‘Dear’ cosy car, otherwise you may have to cough up unwanted sum to restore her charm and appeal. The agony of driving through waterlogged roads simply affects the peace of car owners. Moreover, it is prerequisite to ensure that the four-wheeled prized possession should not remain stationed in an area that is prone to water accumulation or flooding.


Every car is protected by motor insurance policies but it does not give the license to neglect the basic cares of the vehicle. Moreover, there are tricky situations while processing admissible and non-admissible claims. Generally the insurance cover takes care of majority of the damages and losses suffered by the car but still there are some cases where the motor insurance coverage does not come to the rescue.


Now, come to some basic understanding about the areas covered under the insurance coverage and the areas that are outside its purview.


Damages Covered


During monsoon, the vehicle may bear some damages and the water splashes from the passing vehicles on the waterlogged roads may sneak into tender parts of the car interiors, such as upholstery and sophisticated music system or the AC machine, thus causing damage to them.


Generally the cost involved in repairing the above mentioned components of a car is taken care by the motor insurance coverage. However, except the case of a brand new car, you should be mentally prepared to accept that depreciation deductions between 30% - 50% will accompany the actual compensation during replacement of plastic or fibre parts. The difference needs to be coughed up by the policyholder.


If the car remains stagnant in flooded area and the engine gets submerged in the water then there is every possibility that the key component of the car will refuse to get activated. Moreover, repeated forced attempts to bring it back on track may aggravate the engine damage. This phenomenon of hydro-static lock takes its toll upon the car engines during heavy monsoons.


Unfortunately, this major damage is not tended by regular car insurance coverage. The immediate task is to avail the service of a towing agency to take the car away to the service centre. There is a silver lining as the towing charge is payable under the insurance policies. Additionally, depreciation cap and engine protector are likely to cover such specific claims.


-: Some Handy Tips to Minimise Car Damage During Monsoon :-



Situation 1: The water level outreaches the tyre level.


Solution: In such situation, check yourself from taking up the challenge to cross the water area with your ‘car boat’. Stop your engine instantly since the force of the water is mightier than the weight of your vehicle. Look for an alternative route to reach your destination.



Situation 2: The tyre level is above the water level.


Solution: When you find that the tyre level is safely above the water level then there is no second thought about continuing with the drive. However, driving should be mixed with proper techniques to reduce the possibility of any unwanted damage. Just shift to the first gear and step on the accelerator to increase engine RPM. That will ensure to keep the silencer out of blockage blues due to water. In case you are driving down dense roads and inevitably needs to reduce the car speed, simply use the clutch without hampering the engine speed. Once you cross the flooded area it is time to step on the gas and accelerate the engine. It is not because you have to win a race but rather it will clean up the silencer and help it to dry.



Situation 3: The vehicle is submerged in water.


Solution: The first suggestion is to control the impulse from trying to start the engine. The primary objective is to get in touch with an expert car technician and thoroughly examine the health of the car and engine besides its transmission, electrical and electronic components. Avail the towing facility to take the car away to the nearby mechanic’s garage. The towing cost is generally covered by most insurers.


Tips to Reduce Reliance on Car Insurance Claims


Since, car insurance policy is accompanied by several terms and conditions, it is ideal to minimise the damage possibilities by remaining vigilant while driving. Maintaining a safe distance during rains is very much necessary as it puts a brake on skidding on slippery roads. Fog lights come as saviours while navigating through heavy rains that may put up a virtual water wall in front of the car and reduce the vision. In case of any damage, intimate the car insurance company at the earliest, if possible within the next 48 hours following the trouble detection. A timely notification not only strengthens your claims as it arranges prompt evaluation of the damage but also helps to do away with legal hassles.

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