Can Vehicle Damage Insurance Be Used After a Vehicle Has Been Submerged in Water?

[DeBlakely]

Whether an insurance company will compensate after a vehicle has been submerged in water depends on the specific circumstances. Only if the vehicle is covered by both vehicle damage insurance and water submersion insurance, and the vehicle is submerged with proper operation, is there a possibility of receiving compensation. Improper operation will result in the insurance company refusing to compensate. There are three scenarios for water-damaged vehicles: 1. The vehicle is submerged while parked and stationary: As long as the owner has purchased vehicle damage insurance, compensation can generally be obtained. The insurance company will calculate the compensation based on vehicle repairs or scrapping. 2. The vehicle is submerged while driving, and there is no secondary ignition attempt: The owner needs to have both vehicle damage insurance and water submersion insurance. Vehicle damage insurance covers costs other than the engine, while water submersion insurance covers engine-related expenses. 3. The vehicle is submerged and stalls while driving, and the owner attempts a secondary ignition: Any ignition attempt is considered improper operation, and the insurance company will not compensate.