Page 41 - The Insurance Times October 2021

VEHICLE PROTECTION & SAFETY TIPS DURING

MONSOON

R oad accidents are a common incidence, but other cars around you, helps you guess how deep the

during monsoon, the chances of an accident
water-logged roads are.
become higher owing to waterlogging,
If water level rise above tyre, simply don't drive further
F
slippery roads, & poor visibility. It has also been
& just try to park the vehicle at a safe spot. Once you
observed that every year,during the annual rainy season,
park it safely, get out of the vehicle and call the insurer
there are higher chances of vehicles getting damaged
or towing service to tow your car, if required. The
which results in higher motor claims ratio. roadside assistance car insurance policy aid to tow your
vehicle to the nearest garage available. If the car stops
Waterlogging due to monsoon has become a regular for any reason, one should not try to start it, restart the
scenario in major cities of Indian roads. Everyone wants engine if stalled in water, as it could cause serious engine
to get out of the waterlogged area and reach their damage. If you suspect water has entered the engine,
destinations safely yet timely. But, driving in such a
immediately switch off the car to avoid any damage.
scenario is challenging for the vehicle as well for your Remember, any engine damage caused by wear and tear
safety. That's why, in a nutshell, driving through water
or mechanical failure will not be covered as part of an
should always be avoided, but If you absolutely must drive insurance claim. To avoid such scenarios or any dispute
over a water-logged road safely, follow the below
with the insurer, opt for an 'engine protection add-on'
mentioned tips that will help you to drive your car that covers all kinds of damages to the engine, including
through waterlogged roads as smoothly as possible. hydrostatic lock, upholstery damage.

Tips To Drive Through Waterlogged In a case where a person's car has been submerged in water
Roads:- due to the monsoon showers, having a motor insurance and
putting in an insurance claim are crucial steps.Monsoons
Driving your car through waterlogged roads in India can
pose abundant challenges for drivers/vehicle owners and
be a daunting task. IFFCO-Tokio Shares top tips for a safe hence a comprehensive insurance policy is recommended.
& smooth drive.
Remember, a little preparation and presence of mind can
First and foremost, 'Gauge Water Level', as it gets more get anyone out of a problematic situation without harming
dangerous when the car's tyres are submerged. Higher them or their vehicle. Drive slow, do composed driving, do
water levels can make driving a lot difficult & prone to not move to high gears. Keep toggling between 1st & 2nd
problems.
gear without letting the throttle go down. Maintain a
F If water is upto the tyre level, then drive down the consistent level of RPM (speed). Try to take an alternate
center:Stay In The Centre Lane & Drive through the
route, which might be time-consuming but it is better to be
middle of the road. The depth at the center is safe than sorry.
generally the least as compared to sides. take turns
with other cars, as driving behind other drivers is So, Keep Calm, Don't Panic & Be Patient, Stay Insured.
safer than passing by and splashing water onto
passing vehicles. It will also move water out of your And, if you are looking for a bike/car insurance plan that
way.Also, you should clear the windshield with the offers protection for your vehicleas well as light on your
help of the HVAC system - heating, ventilating, and wallet? Look no further than IFFCO-Tokio General Insurance
AC (Air Conditioning) for better visibility on Co. Ltd. You can choose from several add-on options, tailor
roads.Don't forget to turn headlights/ hazard lights your plan as per your requirements at a cost that's in tune
on, as it will help you see the road better, also alerts with your budget. T

The Insurance Times, October 2021 41