Floods have displaced more than 122,000 Malaysians recently and the number is expected to go higher in the coming weeks.
If your car has unfortunately been flooded and saved from the flood, here’s some things you should do to potentially save your car.
1. Check for signs of damage
Depending on how much your car is submerged, the damage will be different. Obviously, the deeper the waters, the worse the damage.
Before starting any remedial action, check for signs of mud or how high the water levels are along with traces of oil or chemicals around the car that might indicate if water has gotten into the engine.
2. Do NOT start the engine
It can be tempting to know if your vehicle is still working, and the only way most people would check this is by starting the engine. However, doing so can trigger a short circuit that could damage the battery and other electrical components.
If a flood has submerged the entire car, major components such as engines and gear systems can be faulty. In this case, arrange a towing service to send your vehicle to a workshop for repair.
3. Contact your insurer
Do note that flood is not included in the standard insurance package in Malaysia and you’ll want to pay extra for the “Special Perils” coverage.
If you have the coverage, your insurer should be in charge of towing your car to the right mechanic to get repairs. DO NOT allow tow trucks from other companies as you have no control over the workshop they will bring your car to, nor the quality of care your car will receive.
4. Thoroughly document your car
Take photos and prepare other important documents to facilitate the flood insurance claim process. Generally, insurance companies require the following documents to be submitted to process the claim. It’s good to have some of them, such as a copy of the cover note, registration certificate and driver’s licence, ready in advance.
- Record the time and location of the incident
- Photos of the damaged car (all four sides)
- A copy of the car owner’s driving licence
- A copy of the car owner’s identification card
- A copy of the vehicle registration certificate
- Copy of insurance cover note
- Other supporting details/documents (police report, etc.)
We hope you’ve learned something about what to do if your car is flooded. Stay safe out there!
