New Delhi, Aug. 31 -- Heavy rains have lashed several parts of India, triggering flashfloods and water-logging in multiple cities. These floods not only disrupt daily movement but can also cause severe damage to vehicles.

Among the most affected regions are Maharashtra, Himachal Pradesh, Punjab and Jammu & Kashmir, where continuous downpour has impacted human lives, damaged infrastructure and left vehicles stranded.

As a car owner, an individual must check with their insurer whether their vehicle insurance policy covers the costs of repairing damages caused by floods. Understanding the scope of coverage, claim conditions, and exclusions can help avoid hefty repair bills.

There are two kinds of car insurance - third party insurance poli...