Typhoon Tino's Aftermath: Protect Your Car and Insurance Rights
Typhoon Tino's recent devastation in Cebu has left many residents assessing the damage, including the impact on their vehicles. While standard car insurance policies may not cover flood damage, there are crucial steps to take to protect both your car and your interests.
Firstly, review your insurance policy. A standard comprehensive policy might not include flood coverage without additional 'Acts of Nature' or 'Acts of God' coverage. If unsure, contact your insurer immediately.
In the event of a flood, park your car on higher ground if possible. Keep digital copies of your policy documents and car photos safe. These will be vital for any future claims.
Document the flood damage thoroughly with photos and videos. This evidence will support your insurance claim. Notify your insurance company promptly and provide them with the necessary documents.
Avoid major repairs until the insurance adjuster has inspected your car. Keep a record of all claim-related documents and correspondence. If the repair costs approach your car's market value, the insurer may declare it a total loss.
If your claim is denied, don't despair. You can appeal through the insurer's internal process or file a complaint with the Insurance Commission.
In Cebu, where typhoons are a reality, it's wise to consider additional flood coverage. Review your policy, stay informed, and be prepared. After all, prevention and preparation are key to weathering any storm.
