Only insurance will cover if the car gets stuck in water. Get it immediately, or face costly expenses.

GulfHindi English Desk: Monsoon season in India brings freshness along with the arrival of rain. However, sometimes these rains turn into floods, causing significant damage to vehicles. In such times, will your car insurance help you?

Before taking car insurance, there are a few important things to consider. Here, we discuss some key points:

1. Comprehensive Policy: Always opt for a comprehensive policy. It should include engine protection cover, which may require an additional premium. However, it provides better security for your car.

2. Add-On Coverage: Consider adding a ‘Return to Invoice’ cover. The biggest benefit of this cover is that if your car sustains extensive damage during a flood and cannot be repaired, you can receive the full value of your car. This coverage also protects against natural disasters like floods, earthquakes, and storms.

If your car gets flooded, you need to inform the police first. Then, gather the disaster management department’s report, your car’s registration papers, and a copy of your insurance policy. Once you have all the necessary documents, the insurance company will evaluate the value of your car and determine the claim amount.

Car insurance can provide financial assistance during floods, but it is essential to choose the right policy and add-on coverage. Stay prepared and ensure your car is protected against unforeseen circumstances.

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👉कार का इंश्योरेंस हमेशा कॉम्प्रेहेन्सिव पॉलिसी के अंतर्गत ही करवाएं। इस पॉलिसी में इंजन प्रोटेक्शन कवर जरूर शामिल होना चाहिए।
👉एड ऑन के तौर पर ‘रिटर्न टू इन्वाइस’ जरूर लें। इसका सबसे बड़ा फायदा यह है कि यदि आपकी कार को बाढ़ के दौरान इतना नुकसान हो जाता है कि उसे ठीक नहीं किया जा सकता, तो इस एड ऑन के माध्यम से आपको आपकी कार की पूरी कीमत मिल सकती है। यह कवरेज एक्ट ऑफ गॉड (बाढ़, भूकंप, तूफान आदि) के दौरान होने वाले नुकसान को भी कवर करता है।
👉बाढ़ में अगर आपकी कार बह जाती है, तो आपको सबसे पहले पुलिस को इसकी सूचना देनी होगी। इसके बाद आपको आपदा प्रबंधन विभाग की रिपोर्ट, कार के रजिस्ट्रेशन पेपर्स, और इंश्योरेंस की कॉपी संग्रहित करके इंश्योरेंस कंपनी को देनी होगी। इन सभी दस्तावेजों के प्राप्त होने के बाद, कंपनी आपकी कार का मूल्यांकन करेगी और क्लेम राशि निर्धारित करेगी।

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