New Delhi, July 9 -- Heavy rains that lashed Delhi this week, toppling trees and damaging parked vehicles, have once again put the spotlight on an annual monsoon problem for motorists. For thousands of car owners caught in similar situations every monsoon, one question inevitably arises: Will insurance pay for the damage?

The answer depends not only on the type of insurance policy you have, but also on how the damage occurred. While comprehensive motor insurance generally covers losses caused by floods, storms and other natural calamities, certain exclusions, particularly those involving engine damage, can leave policyholders with substantial repair bills.

Insurance experts say damage caused by floods, heavy rainfall, cyclones and storm...