{"id":196732,"date":"2026-07-24T23:48:08","date_gmt":"2026-07-25T05:18:08","guid":{"rendered":"https:\/\/newslink360.space\/?p=196732"},"modified":"2026-07-24T23:48:08","modified_gmt":"2026-07-25T05:18:08","slug":"car-or-bike-drowned-in-flood-if-you-want-full-insurance-money-then-do-this-work-immediately","status":"publish","type":"post","link":"https:\/\/newslink360.space\/?p=196732","title":{"rendered":"Car or bike drowned in flood? If you want full insurance money then do this work immediately"},"content":{"rendered":"

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Floods and waterlogging are a common problem during monsoon in India, which causes huge damage to cars and two-wheelers. Engine, electrical system, interior and body parts get damaged due to immersion in water. In such a situation, a comprehensive insurance policy protects you financially. Third party insurance only covers damage caused to others, whereas a comprehensive policy is necessary for damage to your own vehicle.<\/p>\n

This includes natural disasters like flood, cyclone. Taking the Engine Protect add-on can also cover problems like hydrostatic lock. Filing the claim on time and having the correct documents makes the process easier. Companies fast-track claims under IRDAI guidelines. If you are careful, you can get full compensation, be it repair or total loss. Let us know which steps can be followed to get the insurance money?<\/p>\n

What to do immediately if your vehicle gets damaged in floods<\/h2>\n

In case of flood, first ensure the safety of yourself and your family. If the vehicle is stuck in water, do not start it. This can cause hydraulic lock due to water entering the engine, which leads to claim rejection. Disconnect the battery if possible. Do not move the vehicle yourself. Get towed with the help of the insurer.<\/p>\n

Take photos and video of the damage. All around the vehicle, showing the engine, dashboard, seats, water level and surroundings. This evidence helps a lot in claim processing. Do not clean the vehicle even after the water recedes, wait until the surveyor arrives. Avoid roadside parking and choose higher ground.<\/p>\n

Notify the insurance company immediately<\/h2>\n

Report the incident within 24-48 hours. Delay may result in claim rejection. Do intimation through the company’s helpline number, app, website or agent. Provide policy number, vehicle details, date and place of incident. Note down the claim registration number.<\/p>\n

Most companies offer roadside assistance, which provides towing facilities. The same process is applicable for both two-wheelers and four-wheelers. According to IRDAI, claims due to natural disaster are given priority. Also keep these important documents ready-<\/p>\n