Can Flood-Damaged Vehicles Be Insured?

[DelFernando]

Flood-damaged vehicles can be insured. Here are the relevant details: 1. Introduction to flood-damaged vehicles: Flood-damaged vehicles refer to cars that have been submerged in water and are sold through certain channels to used car markets across China. 2. Introduction to partially submerged vehicles: Partially submerged vehicles typically have water levels just above most of the wheel hubs, with the floor mats definitely submerged. However, the water does not reach the engine compartment, leaving the engine and wiring harnesses undamaged. 3. Introduction to fully submerged vehicles: Floodwaters completely submerge the entire vehicle body, including the engine and all interior equipment. Such vehicles are essentially rendered useless and should not be purchased, no matter how new they appear. Not only is the engine likely damaged from water ingress, but the wiring harnesses in the engine compartment have also been soaked, significantly increasing the risk of short circuits and potential self-ignition.