Car Insurance Tips- Has the car been damaged due to storm, know whether the insurance company will pay or not

Friends, the rainy season is going on in the whole country at this time, the condition of many areas is such that there can be floods there, especially in areas like Chennai. You must have seen many times due to floods, cars are seen floating or completely submerged in water, in such a situation, who pays for the damage to the cars, let's know the full details about it

Why car insurance matters during cyclones

Natural disasters such as cyclones, floods, earthquakes and landslides can cause serious damage to vehicles. If you have not taken adequate insurance, repairing or replacing a damaged car can be very expensive.

1. Comprehensive Motor Insurance

A comprehensive car insurance policy covers damage to your car caused by natural disasters, including cyclones and floods.

This is different from third-party insurance, which is mandatory in India under the Motor Vehicles Act and only covers damage to another person or their property.

2. Add-ons for better protection

To enhance your coverage during such disasters, it is wise to choose useful add-ons, such as:

Engine protection cover – helps cover damage to your engine due to waterlogging.

Roadside assistance – provides towing and emergency assistance if your car breaks down during or after the cyclone.

Loss of personal belongings – covers valuables damaged or lost inside the car.

How to file a car insurance claim after a cyclone

If your car has been damaged during Cyclone Michong, follow these steps to make an insurance claim:

Inform the insurance company immediately

Call your insurer or file a claim through their mobile app or website.

Document the damage

Take clear photos and videos of the damaged vehicle from multiple angles.

This evidence will support your claim and speed up the process.

Keep the required documents handy

Your insurance policy, car registration certificate, driving license and pollution certificate should be readily available.

Evaluation and repairs

The insurance company will appoint a surveyor to inspect your car.