The rains on Friday that hit the National District and the province of Santo Domingo with intensity left dozens of vehicles flooded. With the images of the cars dragged by the waters, Have you ever wondered if insurers offer coverage in this situation?
It will depend on the policy you have taken out and on the company insurance company. To start, the Law 63-17 on mobility, land transport, traffic and road safety requires vehicle owners to acquire one to travel legally.
Basically, there is the legal insurancepolicy it offers roof for damage caused to third parties, the passenger or the property of others. There are insurers that include additional services such as ambulance or towing service.
Some insurers offer in their more advanced plans roof doors global risksthose damage or material losses produced directly and accidentally to the vehicle due to earthquakes, cyclones, windsocks, hailstorms and floods.
Also for acts of vandalism, malicious damage, riots, civil unrest, strikes, falling objects and breaking glass. Likewise, it offers roof involuntary immersion in puddles of water while the vehicle is traveling on motorways, roads or routes designated by the authorities.
Insurance bookings offers the roof due to the floods in its Supreme and Select plans, these fall into the category of global risks. But in the documents published on its website, it was indicated that the coverage of phenomena of an extraordinary nature such as floods.
Free newspaper contacted the company’s customer service to explain what the difference is in both cases, but the answer was only that it is offered in the Supreme and Select plans roof in case of floods.
The same situation occurs with Universal insurance offering the roof in case of floods as overall risk in its Full and Super Full policies, in accordance with the document published on its website on the general conditions. But the guarantees of the facts caused by phenomena of an extraordinary nature, such as eg floods.
The Pepin insurance company has established on its website which includes the roof of global risks, such as floods, in your multi-risk insurance policy. In a call to the claims office, it was made clear that if the person has not added this type of risk to their policy, they will not be offered the roof even though I have the safe full.
Mapfre BHD Seguros offers the roof for water damage in your plans Safe of cars Clover Zero, Clover Plus and Clover Plus More.
To find out if your insurance policy safe he offers you roof in case of floodsthe ideal is to call yours insurance company to give you all the information you need and how to proceed if your car was one of those hit by yesterday’s torrential rains.
The President of the Dominican Republic, Luis Abinader, announced that it will instruct the Superintendency of Insurance so that, together with the other bodies in the sector, it will speed up the process for the payment of policies to owners of vehicles affected by the accident floods.
