Posted on: Jul 24, 2025 | 3 mins | Written by: HDFC ERGO Team

Driving safely amidst heavy rains

Car Insurance for Driving in Heavy Rain

Although the monsoon rains are much-awaited after the summer scorch, they come not only with greenery but with multiple driving challenges. Driving in heavy rain poses serious risks. The roads often become waterlogged and slippery during the rains. The wind velocity often remains high, accompanied by low visibility. These factors prove to be serious threats to driving.

Here we have carefully listed the ways to ensure smooth driving despite such challenging weather conditions.

Driving in Low Visibility

Considering the severity of the rains, the visibility may even drop to an alarming 5-10%. Moreover, if the rains are accompanied by heavy fog, then the visibility is almost zero. Such situations often happen in the mountainous regions.

Driving under such conditions is not only risky but can even prove to be fatal.

• Turn off the vehicle music to stay fully alert and hear the honking of any other vehicle.

• Use fog lights in low beams. Avoid high beams as they reflect more and cause distraction.

• Maintain a vehicle speed between 10 and 20 kmph, always lower than the prescribed speed limits.

Driving in High Winds

Rains and high winds are a fatal combination, often resulting in losing control of the vehicle.

• Maintain a strong grip on the steering wheel at all times.

• Avoid driving heavy vehicles like trailers, trucks, tankers, etc. during such conditions.

• Be extra cautious when driving down slopes.

Driving on Slippery Roads

Contemporary vehicles come with a built-in feature termed as traction control. This helps the driver maintain a strong grip on slippery roads and stay in control.

In case your car skids, immediately turn the steering wheel towards the direction of the skid. This helps straighten the vehicle and gives you better control.

Conclusion

We have carefully highlighted heavy rain safety tips in this comprehensive guide. Although easier said than done, you need to exercise these measures while driving under such challenging weather conditions.

Monsoons and fog raise motor accident cases. Sometimes the situation turns beyond your control. Therefore, to ensure the comprehensive safety and security of your vehicle, it is best to maintain reliable motor insurance.

These days, you can easily purchase car insurance online with a few clicks and taps.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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