Can a Flooded Car Be Repaired?
1 Answers
Generally, a flooded car cannot be fully restored. Flood-damaged vehicles are broadly categorized into three types based on the water level: the first is when the water level reaches the wheels—such vehicles may 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 posing significant potential risks even after being fixed. Insurance coverage for flooded cars: 1. Submerged while stationary: If the car is submerged while parked, the engine is usually undamaged, and compensation can be claimed if comprehensive insurance is purchased. However, if the owner attempts to start and drive the car out of the flooded area, causing engine damage, even with flood insurance, the claim will be denied. 2. Engine failure due to driving through water: If flood insurance (also known as engine-specific loss coverage) is purchased, the insurance company will cover the damage. Conversely, if only comprehensive insurance is purchased without flood insurance, only non-engine damages will be covered. Additionally, if the engine is damaged due to restarting the vehicle while submerged, even with flood insurance, the claim will not be honored.
