The floods in Kerala have been devastating for many people, causing significant damage to homes and property. If you were affected by the flood, you may be wondering if your auto insurance policy covers flood damage to your car. Unfortunately, standard auto insurance policies do not typically cover flood damage to vehicles. However, there are add-ons you can purchase to protect your car from flood damage. In this article, we will discuss some of the auto insurance add-ons that can help protect your car during the Kerala floods.
Comprehensive Coverage
Comprehensive coverage is an add-on that covers a wide range of damages to your vehicle, including flood damage. It is important to note that this coverage is optional and not included in standard auto insurance policies. Comprehensive coverage helps cover the cost of repairs or replacement of your car if it is damaged or destroyed by a flood. This add-on typically has a deductible, which is the amount you will need to pay out of pocket before your insurance coverage kicks in.
Roadside Assistance
Roadside assistance is another add-on that can be helpful during the Kerala floods. This coverage provides assistance when your car breaks down or is stranded due to a flood. It can help cover the cost of towing, jump-starts, and other emergency services. Roadside assistance can be a valuable add-on to have, especially if you are driving in an area prone to flooding.
Rental Car Coverage
If your car is damaged or destroyed in the floods, you may need to rent a car while it is being repaired or replaced. Rental car coverage is an add-on that can help cover the cost of renting a car while your vehicle is out of commission. This coverage typically has a daily limit and a maximum total amount that can be reimbursed.
Gap Insurance
If you have a car loan or lease, gap insurance is an add-on that can help protect you financially in the event of a total loss. If your car is destroyed in the floods and you owe more on your loan or lease than the car is worth, gap insurance can help cover the difference. This add-on can be especially helpful if you have a newer car or a high-interest loan.
Conclusion
While standard auto insurance policies do not typically cover flood damage, there are add-ons you can purchase to protect your car during the Kerala floods. Comprehensive coverage, roadside assistance, rental car coverage, and gap insurance are all add-ons that can be helpful in different ways. Be sure to talk to your insurance provider about your options and choose the add-ons that make the most sense for your situation.