The ongoing flood situation in Chennai has made us think
about the various cars and houses that suffer especially when you just can’t do
anything about it, leaving no option behind. There have been flood situations
earlier as well in our country, but owing to the string social media condition
and the connected and bond people have in this highly technical era, the awareness
and eth details shared are very much indeed on a bigger platform. Indeed these
natural calamities remind us about the nature and its power beyond anything
else, no technology, no money, nothing has the power to face the power and the
wish of the nature.
Mumbai witnessed a similar flood situation a few years back,
so that really made us wonder upon the cars or other vehicles submerged into the
water, in front of your eyes, however without any option to take them somewhere
else, so what can be done in a situation like this, when your much loved, hard
earned possession gets in trouble?
*Primary Step:
It would be imperative to inform your insurance company
as soon as possible. This would be really beneficial as the Insurance rep would
guide you through the procedure they have in their respective company. There
are many pre-planning that is required in order to register a claim in special
situations like this. Keep pictures or videos handy with you so as to support
your claim.
*keep your dealer
in loop:
I’m sure you would be aware of the dealer you went
through, in order to let you know about the best authorized service station
located nearest to you. It would be the best option to keep them posted about
the current situation. They would guide you better with the claim related
process.
*Seek Help:
The
insurance company would direct their representative to review the car. He would
examine the vehicle, examine it and grounded on the examination generate a
report and let you know regarding the contents it would cover. It is a great
idea to let your dealer be around at this particular time as he would be able
to get you better coverage on the technical side. If recognized, there are barely
any aggravations while claims come in picture. They are very much within the cover
and are covered well.
* Pick
the Policy carefully:
While you are shopping to buy the right
policy to protect your car, make sure to go with the zero depreciation policy owing
to its aspect that covers all comprising the natural calamities. Otherwise
there is another option to make a little extra payment and get the clause of
natural calamity added on to your insurance policy. Aspects such as floods may
be rare; however we need to keep them in mind just in case.
But, a
dealership won't no initiate correcting your vehicle till the time your insurance
agents examines the vehicle entirely, organizes a report and directs the
dealership with a yes to move ahead.
*Don’t
let the layman touch your car:
Even if you are mechanically sound, there is
no point trying being a hero. Don’t attempt and start the car all by yourself.
If nothing more, it would spoil your chances while it comes with getting a
decent claim on your insurance policy. Ensure you notify and record a claim
before attempting to get your car back, up and running by itself.
If you take an attempt
to start the vehicle, and the water makes it way to the engine, it can get
really tough to get the claim as most of the insurance companies may not offer
a cover for this making life tougher for you in such circumstances.
EmoticonEmoticon