What To Do When Car Is Submerged In Water

Introduction

Floods during the monsoon season are a common challenge many in India face, turning streets into rivers. Knowing the correct steps to minimise the impact is crucial when cars are caught in floods, as they face significant damage. Here’s a guide on what to do when your car is submerged, ensuring a swift and informed response to protect your vehicle.

Tips to Deal With a Car Submerged In Water 

Here are tips to deal with a car submerged in water, including:

• Avoid Starting the Car

Starting a flooded car can cause irreversible damage to the engine and other components. Water in the engine can lead to hydrolock, a severe issue requiring costly repairs.

• Assess the Damage

Once on dry land, assess the extent of the damage to determine necessary actions. Check if water entered the car, with the insurance considering damage to the dashboard as potentially irreparable.

• Check Insurance Coverage

Examine your car insurance policy, particularly coverage for flood damage. Understand the policy’s specifics, considering factors like floor mats and entire engine changes.

• Ventilate the Car

Swiftly remove stagnant water from the cabin using towels, a wet/dry vacuum or mops. Ventilate the car by opening doors and windows, allowing natural or electric fan-assisted drying to prevent mould and odours.

• Inspect Electrical Components

Before attempting to turn on the car, inspect all wiring and electrical components for damage. Test lights, windows, air conditioning and other wired functionalities to ensure proper functioning.

• Engine Inspection

Check for water in the oil tank using the dipstick, avoiding engine start if water is present. Consult a professional mechanic to assess and address potential engine and fuel tank issues.

• Address Interiors

Replace water-damaged components like floor mats, carpets and upholstery to prevent mould growth. Use upholstery cleaner to eliminate odours and damp spots, maintaining a fresh interior.

• Professional Mechanic Evaluation

If unsure about the car’s condition, seek a professional mechanic’s evaluation for a thorough inspection. Consider insurance claim procedures, with photographic evidence aiding the assessment.

• Consider Repair or Replacement

Assess repair costs and weigh them against the car’s worth. If repair costs are high, insurance may categorise the car as totalled, requiring a replacement.

• Purchase Considerations for a New Car

If opting for a new car, establish a budget and research car types, brands and variations. Consider factors like history reports, previous owners, and a mechanic’s inspection for used cars.

Conclusion

Handling a flooded car requires prompt and informed actions to minimise damage. From avoiding engine start to thorough inspections and considering car insurance coverage, these tips ensure a systematic approach. Timely drying, addressing water-related issues and proper evaluations contribute to salvaging the vehicle’s condition. Stay prepared during the monsoon season to navigate through flooded roads safely.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.