– Flood-damaged cars often cause their owners to panic, especially if the damage is severe.
The good news is, if your car insurance already includes flood risk protection, this damage can actually be claimed according to the applicable policy terms.
However, it’s important to understand that car insurance claims due to floods cannot be made arbitrarily.
There are certain conditions and stages that you must meet for your claim application to be processed and approved by the insurance company.
Here is a complete guide on how to claim car insurance for flood damage, as reported by Garda Oto.
Car Insurance Claim Requirements Due to Flood
In the claims process, the insurance company will refer to the terms and conditions already stated in the policy.
Therefore, you need to ensure all requirements are met so that the claim is not rejected. The conditions for a car insurance flood claim include several important things.
First, the vehicle damage must be purely caused by the flood, not by other factors. Second, there must be no element of intent, such as forcing the car to drive into a low-lying flooded area.
In addition, you are also required to prepare proof of damage caused by the flood, along with a clear and sequential summary of the incident’s chronology.
Other supporting documents that need to be prepared include the vehicle owner’s driver’s license, vehicle registration certificate (STNK), and the car insurance claim form, which must be filled out completely and correctly according to the insurance company’s regulations.
Car Insurance Claim Procedure for Flood Damage
After all requirements are met, the next step is to follow the established claim procedure. This process is important so that your claim can be accepted and processed without any issues.
You need to file a claim with the insurance company immediately, within a maximum of 5 x 24 hours from the flood incident. The aim is to ensure that the handling can be done as quickly as possible and the damage does not worsen.
If necessary, you can also ask for assistance from the insurance company to take emergency action on the vehicle.
Next, prepare all evidence of damage and a detailed chronology of events, then submit all requested supporting documents.
After the administrative process is complete, you only need to wait a few days for the insurance company to validate and provide a decision on the submitted claim.
