Will Car Insurance Cover Flood Damage?
Depending on the insurance plan you’ve chosen, your automobile insurance may or may not cover flood damage. Unlike third-party liability policy which is mandatory and provides basic coverage, the Comprehensive Car Insurance Policy insures your car against damages brought on by cyclones, earthquakes, floods, and other natural disasters. It also covers losses brought on by theft, fire, accidents, and other man-made disasters.
Flood damage can do significant harm and lower the value of your car. It may result in costly repairs or even a complete loss i.e., damage beyond repair in some circumstances. Though a Comprehensive Car Insurance Policy is a lot more expensive when compared to a third-party cover, it might wind up saving you a lot of money, during such unplanned losses.
What are the Different Types of Flood Damages?
Floods, while they cause a significant amount of harm to your car, on the whole. It is important to be aware it can cause to each of your car’s components. Listed below are the different types of flood damage.
Engine Damage: The internal engine parts of your car may sustain partial or complete damage as a result of water seeping into the vehicle’s engine during a flood.
Gearbox Damage: If water enters the gearbox, your car may malfunction or become fully inoperable.
Electrical and Electronic Damage: Water can impair electrical and electronic systems, resulting in a short circuit. In addition to this, the dashboard’s warning lights might not work properly.
Upholstery Damage: Damage to the upholstery may result in wetness, due to water intrusion. The carpet, seats, and other soft furnishings can fall prey to this too.
How to Prevent your Car from Flood Damages?
Floods, while generally announced over the news during the weather, can also happen suddenly. If they do