Monsoon is one season that a vehicle owner dreads.
This is the time of the year wherever the owner incurs most maintenance costs and most of the times it's out of compulsion rather than out of selection. Monsoons in India is known for heavy rainfalls, water logging, landslides, car skidding and accidents. Trend shows that the cases of road accidents will increase throughout monsoon. This is because there's little or no awareness on vehicle and driving precautions to be taken before and through the monsoon. There is even lesser awareness regarding the way to mitigate the losses arising out of vehicle harm because of rains and floods. Despite the very fact that it's obligatory to buy insurance in conjunction with your vehicle, statistics show that more than 50% of the vehicles plying the Indian roads do not have a proper car policy. During the 26/07/2005 floods in urban center alone, vehicular damages were to the tune of few hundred crores. The damage included the following: 52 local trains 37,000 auto rickshaws 4,000 taxis 900 BEST buses 10,000 trucks and tempos
30,000 cars and two wheelers (Source: Municipal Corporation of greater Mumbai, Disaster Management Cell)
Water logged roads, potholes and mud makes driving difficult and what's more it damages the car further.
It is necessary that before the monsoon sets in one takes perceptional measures to shield ones vehicle and scale back money losses arising because of vehicle damages. Here square measure The Some useful Tips which will Monsoon Proof Your Car:
Car Service: Car service is of utmost importance. It is necessary to interchange the engine oil, air filter and fuel filter. Check the suspension joints and silencer pipe as a result of that's the foremost affected car part throughout rain.
Car Tyres: Rain water makes the road slippery which frequently causes car skidding and hydroplaning. In order to avoid skidding, it's essential to ascertain the tyre treads. If the tyre treads don't seem to be deep enough, the vehicle is at a high risk of skidding.
Car Headlights And Emergency Lights: Check the operating of the headlights and emergency lights. These are very important for monsoon driving. Replace them if they're broken or cracked before you drive your car within the rain. Water seeps in from the cracked holes and damages the bulb and alternative associated electrical components.
Car Brakes: Rain water moistens the brake drums which might cause lower braking potency. In order to avoid this, it's best to use the brake on and sometimes. Keep the brakes well-oiled.
Car Wipers: Wipers are the foremost crucial part of a vehicle throughout monsoon. The condition of the wipers ought to be reviewed and replaced if needed before the rains begin. Keep additional Margin between the Vehicle before and your automobile, To Account for the larger Stopping Distance needed On Wet Roads.
Tips To Mitigate Losses Car Insurance: Another very important part of vehicle protection during monsoon is to appropriately insure the car. For damage control and to mitigate the risk, one must insure the car from a reputed car insurance company. Check if the insurance is revised and updated so within the event of harm to the vehicle, your loss will be covered. Ensure that you've got adequate automobile insurance protect damages arising throughout monsoon.
Points To Remember: Always automobile a replica of the policy document in your car inscribe toll free variety of the insurance underwriter Keep the contact details of your general agent handy Register you claim at earliest.
Standard Motor Insurance Claims Filing Procedure: Call up the insurance company's call center, who can guide you to the closest workshop. Once the surveyor carries out the survey and authorizes the claim, it's settled directly with the workshop/garage on a cashless basis. In case you perform the repairs at your own expense and file for a compensation claim later, you wish to supply the surveyor with the requisite proofs, for instance, repair bills from the garage etc. In case of compensation claims, the disbursal process could takes up seven working days, post submission of the documents asked for.
Keeping track - Insurance firms provide numerous ways that} with which one will track the claim status Through Customer Support Online claim status check Through SMS alerts