February 29, 2024

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A Guide To Claiming Insurance For Monsoon Car Damage

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Insurance For Monsoon
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In tropical countries like India, monsoons are a welcome relief from the scorching summer heat, vital for agriculture. However, it can spell trouble for your car due to its susceptibility to rain-induced damage. Corrosion, flooding, fallen branches, and electrical issues are common risks this season. Hence, having the right car insurance is essential to quickly file a claim for costly damage in accidents or natural disasters. Your insurance can be easily managed using the best car insurance app.

What Types Of Harm Are Your Car Likely To Sustain During The Monsoon Season?

Engine Seizure

One of the most frequent problems experienced by car owners is engine seizing. The machinery can be severely damaged by water seeping into the engine through the air intake or exhaust. It may interfere with ignition by changing the chemical composition of the fuel.

Electrical Damage

Water and electricity do not get along. As a result, electrical circuitry can be disrupted and shorted when water seeps into the car’s chassis. Additionally, water intrusion can cause any installed technology, including an entertainment screen, a speaker system, etc., to malfunction.

Mechanical Damage

Rust is created by combining three elements: metals, water, and air. Additionally, rust can cover the metal chassis, corroding it internally and weakening the entire construction.

Essential Types Of Car Insurance And How They Can Help You

Third-Party Car Insurance

Third-party insurance pays for harm your car causes to someone else or their property. Regardless of the vehicle you drive, you must have this insurance.Claims are subject to terms and conditions set forth under the motor insurance policy. *

Comprehensive Car Insurance

The comprehensive car policy covers third-party liability and damages to your car that result from accidents and natural disasters like earthquakes, cyclones, and nonstop rain. Claims are subject to terms and conditions set forth under the motor insurance policy. *

Engine Protection Add-On

As its name implies, this add-on protects against engine damage caused by water intrusion. Claims are subject to terms and conditions set forth under the motor insurance policy. *

24/7 Spot Assistance

Given the unpredictable nature of the monsoon, even though some insurers may include this as a standard feature, it’s always advisable to purchase 24/7 Spot Assistance as an add-on if your car policy doesn’t already have it. You never know in which place you might end up stranded. Claims are subject to terms and conditions set forth under the motor insurance policy. *

In addition to having sufficient insurance coverage, submitting your claim as your insurer specifies is critical. All of this can be managed using the Bajaj Allianz car insurance app.

Here is how to submit a typical insurance claim in the event of an accident:

Make A Call To Your Insurance Company Right Away

Call your insurer right away if there is an accident or flooding. They’ll provide you with advice on what to do next.

Keep Ready Photographic Proof

Send pictures of the damage from all sides to your insurance company. Never try to move the object that caused the damage, the car, or alter the scene in any way.

Settlement

The settlement will be started based on the type of damage, the service station’s protocol, and the terms and conditions of your car insurance policy. Once the surveyor approves the claim, the service station will probably settle it. Use the app to save on car insurance to manage your insurance on the go. Claims are subject to terms and conditions set forth under the motor insurance policy. ##

Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now

*Standard T&C Apply

##All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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