Can a Flooded Car Be Repaired?
1 Answers
Generally, a flooded car cannot be fully restored. Flooded vehicles are roughly categorized into three types based on the water level. The first type is when the water level reaches the wheels—such vehicles can still have practical value after repairs. The other two types are when the water level reaches the dashboard and when it submerges the roof. These are considered severely flooded vehicles, requiring costly repairs, and even after repairs, they may still pose significant risks. Insurance Coverage for Flooded Cars: 1. Submerged While Stationary: If a vehicle is submerged while stationary, the engine is usually unaffected. As long as comprehensive insurance (covering vehicle damage) is purchased, compensation can be claimed. However, if the owner impulsively attempts to start the car and drive it out of the flooded area, causing engine damage, even if they have purchased additional flood coverage, the insurance will not compensate for the engine damage. 2. Engine Failure Due to Driving Through Water: If additional flood coverage (specifically for engine damage) is purchased, the insurance company will cover the engine repair costs. On the other hand, if only comprehensive insurance is purchased without flood coverage, the insurance will only cover damages to other parts of the vehicle, excluding the engine. Additionally, if the engine is damaged due to restarting the car while submerged (secondary ignition), even with flood coverage, the insurance company will not compensate for the engine damage.
