Flooded Car in Dubai Insurance Claims & Getting Back on the Road
Dubai recently experienced its heaviest rainfall in over 75 years, resulting in unprecedented flooding across the city. This rare weather phenomenon has significantly affected roads and parking lots, leaving hundreds of vehicles abandoned in floodwaters. For car owners, it’s crucial to know the appropriate steps to manage a flooded vehicle to mitigate damages and navigate the complexities of insurance claims effectively.
Immediate Steps to Take
Prioritize Safety: Your safety is paramount. If caught in rising floodwaters, do not attempt to enter or drive through the waters. Move to higher ground and wait for conditions to improve.
Shut Down the Engine: If your car is caught in water, turn off the engine immediately. Attempting to restart the engine in a flooded condition can cause severe damage, particularly to the engine and electrical systems.
1. Document Everything
Take clear photos and videos of your car’s condition, focusing on all areas affected by water. This documentation is vital for insurance claims and police reports.
2. Contact Authorities and Insurers
File a report with Dubai Police Download the Dubai Police app from the AppStore and download a “To Whom It May Concern” certificate, which is essential for insurance procedures. Contact your insurance provider to report the damage and initiate the claims process.
Step-by-Step Guide: How to Obtain a TWIMC Certificate Through the Dubai Police App
Obtaining a “To Whom It May Concern” (TWIMC) certificate through the Dubai Police app is a straightforward process. Here’s a detailed guide on how to do it step by step:
- Launch the Dubai Police App:
- Open the Dubai Police app on your smartphone. Ensure you have the latest version installed for a smoother experience.
- Select the “Services” Option:
- Within the app, locate the “Services” section. This may be represented by an icon or found in a dropdown menu.
- Find the “TWIMC Certificate”:
- Scroll through the available services and find the option for “TWIMC Certificate” or “Certificate of Good Conduct.”
- Initiate the Application Process:
- Tap on the TWIMC certificate option to begin your application.
- Complete the Application Form:
- You will be prompted to fill out an application form. Enter all required details accurately, such as your name, Emirates ID number, and the specific reason you need the certificate.
- Review and Submit Your Application:
- Before submitting, review all the information you have entered for accuracy. Make any necessary corrections, then submit the form electronically.
- Pay the Service Fee:
- Follow the instructions to pay the service fee associated with the TWIMC certificate. Payment can usually be made using a credit or debit card, among other options provided within the app.
- Receive Confirmation:
- After payment, you’ll receive a confirmation via an in-app notification or SMS, including a reference number to track the status of your application.
- Download Your Certificate:
- Once your application is processed, you will be notified through the app. You can then download the electronic version of your TWIMC certificate directly.
3. Recovery and Repair
Avoid Starting the Car: Do not attempt to start a flooded vehicle, as it can cause further damage to electrical and mechanical components.
Professional Assessment and Repair: Have your vehicle towed to a professional mechanic for a thorough assessment and repair. Floodwater can affect various parts of the car, including the engine, transmission, and electrical system.
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Insurance Insights
Insurance executives in the UAE warn that certain conditions, such as damaged vehicle wipers or evidence of driving through submerged areas, may lead to claim denials. It’s important to park in safe areas and avoid driving through waterlogged roads to ensure coverage eligibility.
Moin ur Rehman, Executive Director of Unitrust Insurance Broker, advises caution during floods:
“While car & bike insurance claims are valid, there are conditions,” Rehman said.
Parked cars flooded by heavy rain are covered for repairs, but not if the engine is damaged by attempting to start in standing water.
Similarly, driving through flooded areas can void your claim.
Rehman emphasizes reading insurance terms to understand flood and natural disaster coverage to avoid claim rejections.
Preventative Measures
Read Your Insurance Terms: Familiarize yourself with your insurance terms, as some policies may not cover flood damage or might have specific exclusions.
Use Public Transport During Severe Weather: The Roads and Transport Authority (RTA) in Dubai advises using the metro during heavy rainfalls to minimize the risks associated with flooded roads.
4. Drying and Cleaning Flooded Car
After ensuring safety, the following steps can help mitigate further damage:
- Promote Air Circulation: Open all doors and windows to aid in drying the interior. Proper ventilation is crucial to prevent mold and mildew.
- Remove Excess Water: Use towels, cloths, or a wet vacuum to remove as much water as possible from the seats, flooring, and trunk.
- Handle Wet Items Separately: Remove any soaked floor mats, seat covers, or other removable upholstery and dry them outside the car in a well-ventilated area.
- Wait for Professional Assessment: Resist the urge to take your car to a car wash or perform a thorough cleanup yourself. Wait for a professional mechanic to fully assess the damage.
5. Total Loss Considerations Flooded Car
In severe flood damage cases, the insurance company might declare your vehicle a total loss. This generally occurs when the repair costs exceed the car’s value before the flood.
Insurance Compensation: The insurance company will typically compensate you for the market value of your car just before it was damaged.
Navigating Insurance Claims: Understanding your policy’s specifics regarding total losses is crucial. Some policies might offer replacement cost, while others provide the actual cash value. Consult with your insurance agent to understand what financial compensation to expect.
6. Additional Insurance for Flooded Car
- Specific Coverage Details: Not all comprehensive car insurance plans automatically cover flood damage. It might be included under “natural disasters” coverage.
- Add-on for Flood Coverage: Some insurers offer flood damage coverage as an optional add-on to a comprehensive policy, which might increase your premium but ensures coverage for flood events.
Ensure Your Comprehensive Car Insurance Covers Flood Damage:
- Read Policy Documents Carefully: Look for specific wording related to flood damage or natural disasters.
- Contact Your Insurance Provider: If unsure, call your insurance company for clarification on flood coverage in your specific policy.
This comprehensive guide provides essential knowledge for managing flooded vehicles in Dubai, helping car owners navigate through the aftermath with greater ease and confidence.
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