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Steps to Claim For Car Insurance For Flood Damage

Wish

Written by Sharad Bajaj

Updated Oct 14, 2023

Natural calamities are unexpected and bring immense damage. However, if you have car insurance in one way you are covered. Read this article if you need to claim car insurance for flood damage.

Natural disasters often happen without prior notice and we humans have no control over them. Floods and heavy rainfall especially in India have a huge impact on people. They bring destruction and loss of life to people but also to their prized possessions. Cars are often one of the most affected by such natural disasters. Thankfully if you have a comprehensive car insurance you can claim for compensation for such damages with a standard policy. In this article we will tell you exactly how to file for such a claim.

How to Claim For Car Insurance For Flood Damage?

The following steps are a guide you can use to make filing for flood damage claim easily:

Step 1: Contact your car insurance company as soon as possible. Most have a toll-free customer care number that makes them easy to reach.

Step 2: The insurance provider will have a number of questions for you, they must be answered precisely and honestly. Moreover, provide as much detail to them as you can.

Step 3: After this interaction a claim registration number will usually be provided to you. It will make it easier for you and the insurance company involved to follow up the claim settlement process.

Step 4: The insurance company will send their surveyor to inspect the damages of the car and report back to the company. Make sure not to make any repairs or changes in your car before this happens.

Step 5: The car will then be towed to a garage and the repairs required will be executed. You can choose from one of the many cashless garages that your insurance providers are connected to and the entire process will be handled by them directly, making it a hassle free experience for you.

Step 6: After the car is repaired you can check to make sure the repairs are up to the mark and you are satisfied. The insurance claim will then be settled and you will have to sign a document regarding the same.

Also Read

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How You Can Handle the Car Insurance Claim Rejections?

Conclusion

In an overview, in the event of flood damage, the insurance company will provide compensation under a standard comprehensive policy. Following the above mentioned guides should make the process hassle free. For additional coverage from such damages you can also look at some of the add-ons offered on car insurance policies. The engine cover, the tyre cover, consumables cover and the passenger cover being some that may be relevant to you in these situations. Click here to calculate premium quotes for the same.

Wish

Written by Sharad Bajaj

Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. Read More

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.

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