###Protect Your Car from Rain with Comprehensive Motor Insurance During Monsoon*

**Article by S. Vishwanathan, Head-Underwriting, SBI General Insurance**

With the arrival of the monsoon, we all get much-needed relief from the scorching heat, but it also brings several challenges for drivers. Heavy rains, waterlogged roads, reduced visibility, and increased risk of vehicle damage are common issues during this season. To handle these conditions safely and ensure the longevity of your vehicle, it is crucial to be prepared for the rainy season. By actively maintaining your car and having comprehensive motor insurance, you can protect your car during the monsoon, providing you with peace of mind.

Motor insurance is a policy that offers protection against accidents, theft, and unexpected incidents causing physical damage or injury related to your vehicle. Other benefits of motor insurance include coverage for repair costs due to accidents, protection against theft, robbery, and vandalism, and financial assistance for treating injuries sustained in road accidents. Additionally, motor insurance provides services such as towing in case of a breakdown and roadside assistance for drivers, safeguarding you from financial losses and offering essential services during emergencies.

**Importance of Motor Insurance During Monsoon**
S. Vishwanathan, Head-Underwriting at SBI General Insurance, mentions that the rainy season can increase the risk of accidents. Vehicles can malfunction and get damaged during rains. Comprehensive motor insurance provides extensive coverage for various potential problems:

- **Accidents and Collisions:** Slippery roads and reduced visibility during rain can lead to accidents. Comprehensive insurance covers repair costs and third-party liabilities.
- **Flood Damage:** Heavy rains can cause floods, damaging your vehicle's engine and electrical components. Insurance can cover repair or replacement costs.
- **Towing and Roadside Assistance:** In case of a breakdown, insurance covers towing and provides roadside assistance services, ensuring you are not stranded in bad weather.
- **Theft and Vandalism:** The risk of theft, robbery, and vandalism increases during the rainy season. Comprehensive insurance protects your vehicle against these risks.

Besides having comprehensive motor insurance, it is also essential to prepare your car for the rainy season. Before embarking on a journey during rains, ensure your car's tires and brakes are in good condition to handle wet and slippery roads. Replace worn-out wiper blades and maintain the water level in the windshield washer fluid tank. Also, check that all car lights are functioning correctly to ensure proper visibility. Regular maintenance and servicing of your car's battery and electrical components are crucial to prevent breakdowns.

**Driving Tips During Monsoon:**
- Avoid driving on waterlogged roads as you cannot gauge the depth of potholes or large craters, which can cause water to enter your car.
- Drive slowly on roads with water to prevent water from entering the exhaust pipe.
- Park your car in elevated areas and ensure windows are tightly closed to prevent water from entering the vehicle.
- If water enters your car and it stops, avoid starting it to prevent hydrostatic lock, as water can enter the engine.
- If the parking area is flooded, do not start the engine to avoid damage. In such situations, professional repair services are necessary to check brakes, air filters, and replace engine oil, brake oil, and transmission oil.

Taking these precautions can help protect your car during the monsoon season. Comprehensive motor insurance not only provides financial security but also gives you peace of mind. Make sure your motor insurance policy is up-to-date and covers all potential risks associated with the monsoon.