A few days back some of the key roads and streets of Bengaluru resembled a shallow lake, courtesy unseasonal rapid rains. Cars sat stranded on roads that had vanished under muddy flood water, their engines drowned, some partially submerged, others tilted helplessly into open drains. If you were among the unlucky ones whose car had to be towed out, or worse, written off entirely, the first thought that likely crossed your mind was: Will insurance cover this?