Monsoon season in Metro Manila brings heavy rains, floods, and increased risks for vehicle owners. Protecting your car during this period is crucial to avoid costly repairs and ensure your safety on the road. This article provides essential tips on safeguarding your vehicle and understanding the importance of comprehensive motor vehicle insurance during the monsoon season.

Vehicle Safety

Regular Maintenance and Checks

• Regularly check your vehicle's condition to ensure it can withstand heavy rains and flooding. Pay special attention to the brakes, tires, and electrical systems, as these are often affected by wet conditions. Regular maintenance can prevent breakdowns and accidents during the monsoon.
• Brakes and Tires: Ensure your brakes are responsive and your tires have sufficient tread depth to handle wet roads. Poor tire conditions can lead to hydroplaning, increasing the risk of accidents.
• Electrical Systems: Check the battery, lights, and wipers to ensure they are functioning correctly. Water exposure can cause electrical failures, so ensure all connections are secure.

Secure Parking Solutions

• Park your vehicle in a safe, elevated location to avoid flood damage. If you live in a flood-prone area, consider using parking facilities that offer higher ground or covered parking. Reliable Insurance Brokers can guide you in choosing parking solutions that align with your insurance policy.
• Avoid Low-Lying Areas: Steer clear of parking in low-lying areas or streets known to flood during heavy rains. Elevated parking lots or multi-story car parks are preferable.
• Protective Covers: Use waterproof covers to protect your vehicle from water damage and debris. These covers can be a lifesaver in areas where parking indoors is not an option.

Emergency Kit Preparation

• Prepare an emergency kit for your vehicle, including essentials like a flashlight, first aid kit, waterproof cover, and basic tools. Having these items on hand can be invaluable during an unexpected breakdown or minor accident.
• Essential Supplies: Stock your kit with non-perishable food, bottled water, a raincoat, and a charged power bank for your phone. These items can keep you safe and comfortable if you get stranded.
• Basic Tools: Include a tire repair kit, jumper cables, and a multi-tool to handle minor repairs on the go.

Avoid Driving Through Flooded Areas

• One of the most critical precautions during the monsoon season is to avoid driving through flooded areas. Water can damage your engine, electrical systems, and interiors. If you encounter a flooded road, it’s best to turn around and find an alternate route.
• Assess the Depth: If you must drive through standing water, gauge its depth. If it's more than a few inches deep, turn back. Driving through deep water can cause severe damage to your vehicle's engine and electrical components.
• Slow and Steady: Drive slowly and steadily through shallow water to minimize the risk of water entering the engine or exhaust.

Comprehensive Insurance and Roadside Assistance

• Ensure your vehicle is covered under a comprehensive motor vehicle insurance policy from Reliable Insurance Brokers. This type of insurance covers damage caused by natural disasters, including floods, which are common during the monsoon season. Additionally, Reliable Insurance Brokers offer extensive benefits such as 24/7 roadside assistance, which includes towing services, minor repairs, and alternative transport arrangements during breakdowns or accidents.
• Benefits of Our Coverage: Our comprehensive insurance plan includes protection against accidental damage, theft, fire, and third-party liability. With 24/7 roadside assistance, you can travel with peace of mind knowing help is just a call away.
• Additional Services: Enjoy extended benefits like vehicle retrieval, fuel delivery, and locksmith services, ensuring you are never left stranded during an emergency.

Peace of Mind with Reliable Insurance

Summarizing the key points, protecting your vehicle during the monsoon season involves securing comprehensive insurance, regular maintenance, safe parking, preparing an emergency kit, and having access to roadside assistance. These steps not only safeguard your car but also provide peace of mind during the unpredictable monsoon weather.

To ensure your vehicle is adequately protected, consider consulting with Reliable Insurance Brokers. Our team is dedicated to providing personalized insurance solutions that cater to your specific needs. Contact us today to learn more about our motor vehicle insurance options for individuals and businesses and how we can help you navigate the monsoon season safely.

Recommended Articles:

• Navigating Motor Vehicle Insurance
• Top 5 Immediate Actions to Take When Flooding Starts
• The Hidden Costs of Natural Disasters that affect MSMEs
• The Complete Guide to the Reliable Installment Plan

Sources:

• Department of Public Works and Highways. (2023). Flood Control Projects in Metro Manila.
• Philippine Atmospheric, Geophysical and Astronomical Services Administration (PAGASA). (2024). Monsoon Weather Advisory.