Can I Claim Insurance for a Total Loss if My Car is Flooded?

[LaClaire]

Not all flooded vehicles can be directly declared a total loss. Whether a damaged vehicle is declared a total loss is determined by professional insurance company assessments. If the vehicle's damage reaches 70% or more of its actual value, it will generally be declared a total loss. Below is a detailed introduction: 1. Introduction One: The vehicle damage insurance included in "comprehensive coverage" covers the engine, but most insurance companies have exclusion clauses for "damage caused by engine water ingress." 2. Introduction Two: "Water ingress insurance" is an add-on coverage and cannot be purchased separately; it must be purchased alongside vehicle damage insurance. For those who have already purchased vehicle damage insurance, they can add "water ingress insurance" through their insurance company. This coverage has a 20% deductible, but if the deductible waiver is purchased, 100% compensation can be obtained.