Can Car Insurance Cover Water Damage Claims?

[DallasLee]

Insurance companies will compensate for the loss of insured motor vehicles caused by natural disasters such as heavy rain and floods as per the agreement; however, they will not cover engine damage due to water submersion. Additional information: After a vehicle is submerged in water, specific claims will be assessed and processed by insurance company personnel based on the coverage types and the actual extent of damage. Generally, vehicles submerged up to the roof suffer significant losses and may be declared a total loss. If the repair cost reaches 80% of the vehicle's actual value, it will be classified as a total loss, and the insurance company will compensate based on the actual value, with the vehicle being reclaimed by the insurer.