During heavy rains and floods in the UAE, many drivers unknowingly make mistakes that could lead to their insurance claims being denied. Simple errors like damaged wipers, driving or parking in flooded areas, and misjudging the capabilities of vehicles and drivers during floods can invalidate claims.
One common mistake occurs when people don’t carefully read their insurance policies to understand what's covered and what's not. Last week, heavy rains caused floods in various parts of the country, resulting in damage to vehicles navigating waterlogged streets.
It's important to note that floods can cause significant damage to vehicles, including interior cabin, engine, and electronics. This damage occurs when vehicles are parked on shallow ground or driven into submerged areas. Often, repairs are costly, sometimes exceeding the value of the vehicle. Depending on the severity of the storm, external damage may also occur, such as hail or debris hitting the vehicle.
Driving on waterlogged roads or through puddles, even after the rain stops, can cause serious damage. Vehicle owners must take precautions, drive responsibly, and remain aware of their surroundings to avoid claim invalidation.
Another common mistake is repeatedly attempting to start a stalled vehicle or driving it without assessing water damage. Authorities issue weather warnings, so it's crucial to park safely, seek assistance for stalled vehicles, and follow manufacturer recommendations in the owner’s manual to minimize losses.
Skipping essential services like roadside assistance and coverage for natural disasters, rains, and floods can lead to misunderstandings about coverage. Some assume third-party liability coverage is enough, but comprehensive coverage is recommended.
Major garages in the UAE report neglect of damaged wipers. Despite the dry weather, wipers are crucial not only for rain but also for removing dust in summer. It's advisable to replace wipers once or twice a year to maintain safety on the road.
