Natural disasters don’t come with a warning sign. They can wreak havoc in your lives and can turn it upside down. Flood is one such natural calamity that has the potential to destroy everything. Your car can be prone to a lot of damage due to floods and you should not take it lightly. Here are certain tips that you can follow if your car is affected by floods.
Do not start your car: After the water has submerged, you would be tempted to check whether your car is in working condition or not. Avoid doing so! If you do it, you will do more damage to your car than good.
Do a full survey: You would find a waterline that is caused due to mud and debris, inside as well as out. Your insurance company will consider the car totalled (damaged beyond reasonable repair) if water reaches to the bottom or the dashboard or higher. If this is the case, tow your car to the service center for proper assessment. If the water didn’t rise much above the bottom of the door then you can proceed with the further steps, as mentioned below.
Dry out the interior: If the water has gone inside the car then you need to act fast and prevent mold from forming. Initiate your process by opening the doors and windows. Put towels on the floor to soak up the water. Keep in mind that you need to replace the carpets, floor mats, door panels, seat padding and upholstery.
Check the oil and air cleaner: If you find that the level of oil is high or the air filter has water in it, do not start the engine. Tow it to the nearest service center to get the water cleared and the fluids changed.
Check all other fluids: Fuel systems on newer-model cars are usually sealed. But in case of older cars, you may have to get the fuel system drained. Brake, clutch, power steering, and coolant reservoirs should be checked for contamination.
Check all electrical systems: Once all the above steps are taken care of, you can now start the car to check for all the electrical equipment one by one: Headlights, turn signals, air conditioning, stereo, power locks, windows and seats and interior lights. If you find anything unusual, take your car to the authorized dealer and get it thoroughly checked.
Check the tyres: Before trying to drive the car, look for traces of debris, mud or any other items that may be stuck to your car. Even a small stick or a clump of mud can shake your car once it catches speed. Clean everything thoroughly. Now that you have followed all your steps, here comes the most important step of talking to your car insurance company to claim for the damages. You would be eligible for a claim if you have a policy which is as comprehensive, like the Bajaj Allianz’s
Car Insurance Policy.
Key Benefits of Bajaj Allianz Car Insurance:
- Avail 24x7 call assistance and SMS updates for claims support, even on holidays
- Transfer up to 50% of your existing No Claim Bonus (NCB) from any other car insurance provider
- Cashless claim settlement at over 4000 preferred garages across the country, bringing to you high service standards
- Receive 75% on account payment facility based on requirement and when liability is above a certain limit
- Avail 24x7 Roadside Assistance with your Car Insurance policy
- Towing Facility in the event of a vehicle breakdown or an accident
- Zero Depreciation Cover can be availed as an add-on cover with Car Insurance
Damage due to natural calamities is covered under this and your car affected by flood can be processed for claims. You can get your car serviced at over 4000 garages and look for 24*7 assistance for all your claim related queries. If you have got the Bajaj Allianz’s Car Insurance Policy, you can have your peace of mind. So sit back and relax, everything else will be taken care of!
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