New Delhi, Aug. 7 -- As monsoon rains lash Delhi NCR, Gurugram and other Indian cities, one of the most common and costly risks for vehicle owners is getting stuck in waterlogged streets or flooded underpasses. From stalled engines to rejected insurance claims, the consequences can be severe if not handled correctly.

To understand how car insurance typically applies in such situations, and what drivers should do if their vehicle is submerged during heavy rains, LiveMint spoke with Mayank Gupta, Vice President - Auto Insurance at ACKO.

Many car owners assume that comprehensive insurance will protect them if their car is stranded due to waterlogging. But that is not always the case. While standard comprehensive car insurance typically inc...