9 Things To Do If Your Car Was In The Flash Flood

If your car was trapped the recent flash floods, here’s a list of 9 things you should do.

9 Things To Do If Your Car Was In A Flash Flood
Image: News Straits Times Online

1. Check your car insurance policy.

Does it cover damages arising from floods? What are the costs?

2. Yes! My insurance policy covers flood damage.

Ensure you inform your insurer and keep policy’s notification period in mind. (ps. GIF not of current flooding in KL/Klang Valley)

3. Oh no! My policy doesn’t cover flood damage.

Sorry 🙁 you’ll have to bear the costs on your own. We hope it isn’t too bad though.

4. Check your tow coverage.

flash flood car insurance towing coverage


Some insurance policies may cover the cost of towing your car.

5. Replacement car

flash flood insurance policy replacement car

Does your insurance policy also entitle you to a replacement car?

6. Other benefits

flash floods car insurance policy benefits

What other benefits does your insurance policy provide? (e.g. cost of replacement)

7. Insurance approved workshops

flash flood insurance approved workshops

Make sure you only send your car to workshops approved by your insurer otherwise, your claim may not be valid.

8. Indicative repair period

flash floods indicative repair period for cars

Insurance policies often have a time period where the policy will cover damage claims. It’s not likely you’ll be able to make any damage claims once this time period expires.

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9. Post-workshop inspection

flash floods post workshop car inspection

It’s important to inspect your car after repairs. If there are any defects/problems, ensure you contact your insurer as soon as possible.

For the resulting muck in your car, NST Online has a few tips here about cleaning your car post-flood.

Disclaimer: The content provided on this website does not constitute legal advice but are for general informational purposes only. It may not be the most up-to-date legal information after the published date. To seek professional legal advice, please check with your lawyer.
Phan Yit Leng
Senior Legal Associate at Chee Hoe & Associates. She specializes in various legal issues concerning industrial relations & employment law, personal injury, divorce petitions, winding-up, liquidations and etc.