Step Guide to Raise Insurance Claims for Flood-Damaged Cars
Updated On Oct 15, 2023
Apart from accidents or thefts, natural calamities like a flood can also damage your cars. Therefore, here is the step by step guide to raising insurance claims for flood-damaged cars.
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When it comes to cars, you should protect them from any and every type of mishap or disaster with a car insurance cover. We generally plan to secure our vehicle from accidents, thefts, etc., but sometimes natural calamities can also damage your car badly. Though owning at least a third party car insurance policy is mandatory in India, to shield your car from such situations, you need to opt for a comprehensive car insurance policy. Besides this, you should also learn to raise car insurance claims when hit by a flood causing major damages due to partial or full submergence.
Steps to File a Car Insurance Claim for Flood-Damaged Cars
Here are the steps to register a car insurance claim for flood-damaged cars. However, the process for different insurance companies may vary.
Step 1: Contact your insurer by calling them at their toll-free or landline number.
Step 2: Share all the necessary details accurately with your insurance company such as information about the place where your car was parked, whether it can be driven or broken down, etc.
Step 3: Insurance companies will provide you with a unique number called the claim registration number. Store that number as you will need it every time you interact with the company.
Step 4: Your car insurance company will schedule a pick-up time and tow your car to the garage.
Step 5: A surveyor will be assigned by your insurer to assess the extent of damage sustained by your car. After examining the damage extent, the garage team is consulted, and you will be conveyed about the claim amount payable by the insurer for the car repair and the amount that you will have to pay. You should ensure that the claim approval must adhere to the terms and conditions of the plan. If you find any discrepancy, you can contact your surveyor for such issues.
Step 6: The garage centre or the surveyor will provide you with a claim approval sheet. Keep one copy of that for future reference.
Step 7: Contact the garage team to find an approximate timeline by which your car will be repaired and delivered to you.
Step 8: You can get in touch with the garage to find out the current status of the repair of your car.
Step 9: After the start of repair work, you will get a checklist based on which you will have to check the repair work. Once you get satisfactory repair work, pay for the repair cost which you need to pay after the settlement of the claim.
Step 10: Sign the final set of documents and get your car back from the garage.
Floods can adversely damage your car, therefore, owning a comprehensive car insurance policy is significant to cover such events. But, merely having a policy won’t work, so we have tried to help you find the steps to raise insurance claims for flood-damage cars. We hope that going through the above-mentioned steps will help you get your claim without any hassle.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.