Driving during the monsoon can be both convenient and challenging. While you avoid the hassle of waiting for public transport and getting drenched, heavy rains often lead to waterlogging and flooding, creating risks for both you and your vehicle. To ensure a smooth and safe drive during adverse weather conditions, it’s crucial to take necessary precautions. This article provides practical tips to protect your car and enhance your driving safety during the rainy season.

Key Precautions for Driving on Waterlogged Roads

While having a comprehensive car insurance policy is essential, adopting preventive measures can significantly reduce the risk of damage. If you often drive through waterlogged areas, these tips will help safeguard your vehicle:

#1. Stick to Familiar Routes

Avoid experimenting with new routes when it’s raining heavily. Familiar roads give you an advantage—you already know the location of potholes, speed bumps, and uneven surfaces. This helps you navigate flooded streets with more confidence. Additionally, use GPS navigation apps that provide real-time updates on road conditions to steer clear of heavily flooded areas.

#2. Avoid Restarting a Stalled Engine

If your car stops in deep water, do not attempt to restart it by revving the engine. This can lead to severe damage due to hydrostatic lock, where water enters the engine and causes irreversible harm. Instead, exit the vehicle safely and call for professional roadside assistance. Some insurance policies offer emergency towing services, which can prevent further damage and costly repairs.

#3. Drive Cautiously Through Puddles

Speeding through puddles can create splashes that reduce visibility for other drivers and may cause water to enter the exhaust or air intake. Additionally, puddles may conceal deep potholes that can damage your suspension or tires. Drive at a steady, slow pace when crossing waterlogged areas to minimize risks.

#4. Assess Water Depth Before Proceeding

If you’re uncertain about the depth of a flooded road, observe other vehicles or use a stick to gauge the water level. A water depth of more than six inches can cause trouble, while anything above 12 inches is extremely risky for most cars. If water levels appear too high, it’s safer to wait or take an alternate route.

#5. Maintain Distance from Large Vehicles

Trucks and buses displace large amounts of water, creating waves that can make it harder for smaller vehicles to navigate. Driving too close to them may increase the chances of water entering your car’s engine bay or causing you to lose control. Maintain a safe distance and allow the water to settle before proceeding.

#6. Avoid Taking Unnecessary Risks

If your car is stuck in deep water, refrain from pushing it or attempting to drive through. These actions can worsen the damage, especially if water reaches critical engine components. Instead, contact a professional towing service or use the roadside assistance provided by your car insurance policy. Many insurers offer monsoon-specific add-ons that cover water damage and towing expenses.

#7. Keep Brakes in Optimal Condition

Water exposure can reduce braking efficiency, increasing stopping distances. To maintain brake responsiveness, gently tap the brake pedal intermittently while driving through flooded areas. This helps remove excess moisture from the brake pads. If you notice unusual resistance or noises when braking, get your brakes inspected immediately.

#8. Drive at a Steady, Moderate Speed

Driving too fast on wet roads increases the risk of hydroplaning, where your tires lose contact with the road due to a layer of water. This can cause you to lose control of your vehicle. Maintain a moderate speed and avoid sudden acceleration or braking to ensure better traction. Consider investing in monsoon-friendly tires for enhanced grip on wet surfaces.

#9. Use Lights for Better Visibility

Rain reduces visibility, making it harder for other drivers to see your vehicle. Always keep your headlights on, even during daylight showers, to improve visibility. If conditions worsen, use hazard lights to signal caution. However, avoid using high beams, as they can reflect off rain droplets and impair visibility for both you and oncoming drivers.

#10. Keep Your Car Insurance Updated

Despite all precautions, unexpected damage can still occur. A comprehensive car insurance policy acts as a financial safety net, covering expenses related to repairs or losses. Ensure your policy is active and consider adding monsoon-specific covers like engine protector and zero depreciation cover for added security.

Why Car Insurance is Essential During Monsoons

Car insurance is more than just a legal requirement—it is a crucial safety measure, particularly in unpredictable weather conditions. Here’s why it’s essential during the monsoon season:

#1. Protection Against Weather-Related Damages

Comprehensive car insurance covers damages caused by accidents, natural disasters, theft, and fire. Given the heightened risk of flooding and water damage during monsoons, an active insurance policy is indispensable.

#2. Engine Protection Add-On

Standard car insurance policies do not usually cover engine damage due to waterlogging. However, insurers offer an ‘engine protector’ add-on, which provides financial coverage for repairs caused by water ingress. This add-on is highly recommended during the monsoon season.

#3. Savings on Costly Repairs

Monsoon-related car repairs can be expensive. With a comprehensive car insurance plan, you can minimize out-of-pocket expenses, as most damages caused by natural calamities are covered under the policy.

#4. Roadside Assistance for Emergencies

Breakdowns are common during extreme weather. Many insurers offer roadside assistance as part of their comprehensive coverage, ensuring you get immediate help if your vehicle stalls in heavy rain or flood-prone areas. Opting for a policy with towing assistance can be highly beneficial.

Conclusion

Monsoon driving demands extra caution and preparedness. While insurance provides financial security, preventive measures can help minimize risks. Stick to familiar routes, avoid flooded streets, drive steadily, and maintain safe braking techniques. Additionally, keep your car insurance policy updated and consider monsoon-specific add-ons for better coverage. By following these practical tips, you can enjoy a safer and hassle-free driving experience, even in challenging weather conditions.