Gurgaon Traffic Jam, Bengaluru rains: Vehicle damaged? Here’s what you can claim from insurance firms

By: | Updated: July 29, 2016 2:20 PM

Gurgaon Traffic Jam: While the troubles that you faced standing in traffic on your way home or work unfortunately have to be suffered by you, the damage to your vehicle can be recouped from insurance companies, provided you do not cause some damage yourself due to negligence.

Gurgaon, Bengaluru rains; Vehicle damaged due to water and traffic chaos? Here's what you can claim from insurance firmsGurgaon, Bengaluru Traffic: Heavy downpour has caused huge traffic jams in these two major business hubs of the country and in several other parts, causing major damage to cars in several instances. (Photo: PTI)

Are you among the lakhs of commuters stuck in the massive traffic pile-ups in Gurgaon or Bengaluru? Heavy rains have caused huge traffic jams in these two major business hubs of the country and in several other parts, causing major damage to cars in several instances. While the troubles that you faced standing in traffic on your way home or work unfortunately have to be suffered by you, the damage to your vehicle can be recouped from insurance companies, provided you do not cause some damage yourself due to negligence.

“If you have a comprehensive car insurance policy, you can claim for damages caused by water and due to flooding,” Mahavir Chopra, Director, Strategic Initiatives, Coverfox.com told FeMoney.

However, Chopra warned that damage caused due to one’s own negligence would be excluded from your claims. “Any kind of negligence is usually not covered. A classic example of car insurance claims denied is when customers try to repeatedly crank their car when submerged in water. It is strongly advised not to try starting and restarting your car when it is stuck in a flood, you must use towing services to get the car to the nearest workshop,” he advised.

Chopra says if have a comprehensive policy, you will be required to pay for the depreciation, deductibles and consumables, rest will be settled by the insurance company directly with the workshop.

WATCH VIDEO: Rain chokes Gurgaon highway

Sasikumar Adidamu, president and chief technical officer, Bajaj Allianz General Insurance, also warns against trying to forcible restart a stranded vehicle. “To avoid unnecessary damage, one should stop driving in waterlogged areas. Trying to restart a stalled vehicle by cranking or pushing can damage the engine and the electrical system,” Adidamu said.

ALSO READ: 5 tips to drive safe on flooded roads | Gurgaon drowns: ‘Boats required urgently’, residents tweet to CM, PM

He points that most standard motor insurance policy would include engine damage caused by water seepage (hydrostatic lock). Moreover, such covers also often no not pay the depreciation amount on the repair and replacement of parts. This has to be paid by the vehicle owner.

Chopra of Coverfox.com advises to keep the number of your insurer or the broker along with details of your insurance policy handy. “You simply have to call your insurance intermediary or insurance company. They will guide you to the nearest workshop where you can process and avail cashless claim. You will need to provide various details including details around the cause of damage.

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