Insurance Rejected After Car Damaged In UAE Rains? This Could Be The Reason
In light of recent heavy rainfalls across the UAE, causing extensive flooding of roads, parking lots, and wis, the insurance industry executives have issued important advisories to motorists regarding insurance claims for rain-related damages. With the nation on red alert due to the severe weather conditions, which are expected to persist, there has been a significant uptick in concerns over vehicle insurance claims. There are specific conditions under which insurance claims for vehicles may be denied, highlighting the need for vehicle owners to be cautious during such adverse weather events.
One of the key reasons for potential claim denial is if vehicle wipers are found to be damaged, indicating lack of maintenance which could contribute to rain-related accidents or damages. More critically, claims could be rejected for vehicles that were parked or driven in submerged waters, especially if the vehicle was intentionally driven on flooded roads. If the car was parked and got flooded due to heavy rains, towing it to the garage for maintenance would typically be covered by insurance. However, if it was parked in a waterlogged area and the engine was damaged after attempting to start it, insurers are likely to reject the claim.
Given these conditions, motorists are urged to exercise caution and avoid waterlogged areas during the rains. It's crucial for vehicle owners to thoroughly review the terms and conditions of their car insurance policies, ensuring their coverage extends to floods and natural calamities, which are sometimes excluded by insurers.
It's noteworthy that these advisories predominantly apply to comprehensive insurance plans as opposed to third-party motor insurance. During such weather conditions, the Dubai Roads and Transport Authority has advised the public to opt for metro travel instead of personal vehicles to avoid getting stuck in flooded areas.
It also important to not skimp on essential services like roadside assistance and specific covers that include protection against natural calamities such as rains and floods. Babur highlighted a common misconception among some clients who believe that third-party liability (TPL) cover might suffice. Due to such instances, it is always recommended to have a comprehensive cover to ensure adequate protection against unforeseen natural events.
This guidance comes as a crucial reminder for UAE motorists to reassess their insurance coverage in light of the recent heavy rainfall, ensuring they are adequately protected against the potential risks posed by natural calamities.
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