Common Accidents During Monsoon – Get Covered with the Right Protection

 As refreshing as the first drops of rain may feel, the monsoon season in India also brings along a host of risks for vehicle owners. Slippery roads, low visibility, waterlogged streets, and mechanical breakdowns make driving during the rainy season a serious challenge. While you may not be able to control the weather, you can definitely control how protected you are from the financial consequences of an unfortunate event on the road.

That is why it is more important than ever to make sure your vehicle is backed by the best motor insurance during this unpredictable time of year. With a smart insurance plan like the one offered by Universal Sompo, you can enjoy peace of mind even when the skies are grey.

Let us explore the most common accidents and mishaps that happen during the monsoon season and how having proper motor insurance can help you get through them without draining your savings.

1. Skidding and Loss of Control

Monsoon rains often leave roads coated with a slippery layer of oil, mud, and water. This drastically reduces tyre grip and increases the chances of skidding. Sharp turns, sudden braking, and even light acceleration on such roads can result in the vehicle sliding out of control.

Whether it is a minor scratch or a major collision, the damages can be expensive to fix. A good insurance policy that covers your own damage will ensure your repair costs are taken care of, whether the incident is due to skidding or collision with another vehicle.

2. Waterlogging and Engine Damage

One of the biggest dangers during monsoon is water entering the vehicle engine or other components. Driving through a waterlogged street can lead to hydrostatic lock—an expensive engine issue where water gets into the engine cylinder.

This kind of damage is not usually covered in standard motor insurance, but Universal Sompo offers an engine protection add-on that can be included in your policy during purchase or renewal. It covers costly repairs related to water damage and ensures your vehicle is protected when the city turns into a river.

3. Reduced Visibility and Headlight Failure

Rains often cause low visibility conditions. Fogged windshields, poor street lighting, and continuous rainfall can reduce your ability to see clearly on the road. This increases the risk of hitting other vehicles, road dividers, or even pedestrians.

Moreover, water seepage can affect headlights and indicators, further reducing your visibility to others on the road. Comprehensive motor insurance helps cover the cost of such repairs and replacements, keeping your vehicle in good condition despite the weather.

4. Fallen Trees and Debris Damage

Strong monsoon winds often lead to fallen branches, trees, or debris on the road. A parked vehicle can be severely damaged if a tree falls on it or if flying debris hits it during a storm. These incidents are sudden and unpredictable.

Under a comprehensive motor insurance plan, damage caused by natural disasters and falling objects is typically covered. This means that even when nature gets rough, your wallet stays safe.

5. Brake Failures and Accidents

Wet brakes take longer to respond and are less efficient than dry ones. During monsoon, this can lead to delayed braking and increased stopping distance. Such delays, especially in traffic, often lead to rear-end collisions or minor fender benders.

With Universal Sompo’s motor insurance, you are covered for damages caused by these accidents. If you are also responsible for damage to another person’s vehicle or property, third-party liability coverage takes care of that too.

6. Tyre Bursts and Rim Damage

Flooded roads often hide potholes, broken manholes, or sharp debris that can lead to sudden tyre bursts or bent wheel rims. Replacing a tyre or getting a damaged rim fixed is not just inconvenient—it is also expensive.

A comprehensive insurance policy allows you to include consumables and tyre protection add-ons, so these costs do not come out of your pocket.

Be Prepared, Not Just Sorry

Many people only think about motor insurance after an incident has already happened. But planning ahead by renewing your insurance on time and opting for add-ons suited to the monsoon season can make all the difference.

Some add-ons to consider before the rains hit include:

• Engine Protection Cover
  
  

• Zero Depreciation Cover
  
  

• Roadside Assistance
  
  

• Consumables Cover (for nuts, bolts, oil, and fluids)
  
  

• Return to Invoice Cover (for total loss cases)
  
  

Why Universal Sompo Is a Smart Choice

Universal Sompo offers more than just basic protection. With customisable plans, wide garage networks, and hassle-free claims, you are never left dealing with problems on your own.

The online platform allows easy policy management and renewals from the comfort of your home. You can calculate your premium, select the add-ons you need, and get instant policy issuance—all within minutes.

And when an accident does happen, the claims process is guided, transparent, and designed to ease your stress—not add to it.

Final Thoughts

The monsoon is a time of beauty, but it is also a time of risk—especially for those on the road. While safe driving habits go a long way, having the right motor insurance ensures that you are covered no matter what the season throws at you.

If you are looking for the best motor insurance that gives you confidence during the rains and beyond, Universal Sompo offers plans built to protect you and your vehicle—come rain or shine.

So as the clouds gather, make sure your insurance is as ready as you are.