Almost every Kenyan prefer to buy third-party only insurance as this car insurance is considered to be the mandatory policy for every motorist.
Did you ever think that every accident that happens is not always due to rash driving, there may be some unpredictable situations like you might not think of natural calamities as a major risk to your car. But they may lead to big damages to your vehicle. This is where you need to focus does your car insurance policy provides you cover for floods?
You may get surprised after knowing that your car insurance kenya cover does not cover for damages due to floods. But keep in mind, water can cause all kinds of damage to your vehicle either internal or external. In other words, a flood can completely total out your car.
Fortunately, if you are a buyer of comprehensive car insurance coverage, it may help cover water damage to your vehicle, depending on the cause.
Usually, a comprehensive car coverage is optional for Kenyans, but it upholds a number of covers other than accidental damage.
Why Every Insurance Policy Doesn’t Cover Water Damage
A standard car insurance policy only covers accidental damages, such as collision and liability. In simple words, a third party liability only covers the other driver when you are at fault, while collision covers both drivers irrespective of fact who is at fault.
For the most part, these types of coverage plans do not provide any cover for the damages to your vehicle due to floods, so if your car suffers any water damage, these basic insurance plans can’t cover your loss.
How Does Car Insurance Covers water damage due to flood?
In order to buy coverage for flood damage, you must choose comprehensive auto insurance for your car. Comprehensive car insurance is meant to cover damage from heavy flooding in your area.
Although the coverage can be expensive, it will shield your asset from many of life’s unpredictable events like floods.
Your comprehensive policy would pay for all the repairing costs or reimburse you for the actual cash value of the car if your insurance adjusters say it’s a total loss.
Why is it important to include damage due to Flood in your Policy?
Purchasing a car insurance plan that includes flood loss cover or flood insurance in your policy is important because the natural calamities are completely unpredictable. We can’t wait for a flood to be announced or flood damage to your vehicle.
Also, Flood insurance becomes crucial if you live in a high-risk flood zone. Floods are out of the driver’s control, if your car is damaged due to rising water caused by heavy rain, comprehensive coverage will help to protect you and your vehicle.
What to Do If You Don’t Have Comprehensive Coverage?
Unfortunately, if you do not have a comprehensive cover for your car, you have nothing much to do. The liability coverage of your car insurance policy is only meant to cover damages you cause to other drivers–not your own car.
These type of policies never cover damage to your vehicle from flooding–even damage from any natural calamity. If you don not want your car being damaged in a flood, we highly recommend you just to purchase a comprehensive insurance to your policy.
How to File a Car Insurance Claim After a Flood?
Filing a claim for a flood damage to your vehicle is similar to the filing claim for motor damage due to accident. The major part is if there is flood in your area, it is likely that there would be many people encountered in the same situation. Thus, many drivers will be filing similar claims for their auto damage along with you.
Almost all car insurance companies only have a finite amount of claims adjusters to evaluate each case. The sooner you will file the claim however, the more likely you will be one of the first cases processed.
Secondly, do whatever you want to protect your car but as soon as possible as the longer you wait, the more damage the water can be inflicting on your vehicle. Here’s a look at some potential steps one should take while a victim of water damage:
- Do not start your car, as potential water damage in your engine will make it worse
- Get a towing service to move your car to higher ground, or wait until the water recedes.
- Call your insurer or the insurance company immediately. Especially in a catastrophic claim situation, you should be first in line to get your claim processed.
- Get the vehicle dried out as soon as possible. For drying out your vehicle, do not try it own but contact the appropriate professionals.
- The sooner your vehicle gets dried out, the better your chances of avoiding a total loss situation.
- Use the vehicle repairing body shop preferred by your insurance carrier. One of the major concern to using your insurance carrier’s preferred body shop is that it mostly guarantees the shops work.
- Your insurance adjuster will determine whether your vehicle should be declared as a total loss due to flood damage or not. A total loss is a situation where the repairing cost of the vehicle is higher than the actual cash value the insurer would reimburse you for.
- In case of a total loss, you will get the actual value of your car by giving your car to your insurers.
Flood damage can be frustrating for any car owner, but the right coverage may help you protect your vehicle. Your insurance agent can help you find the best car insurance in kenya for you. Learn about your risk level for a potential flood and speak with your insurance agent to determine what the best coverage is for your vehicle