Can water-damaged vehicles be compensated?

1 Answers
SanAddyson
07/29/25 4:47pm
If a car is water-damaged, it can be compensated, but the vehicle damage insurance must have been purchased after September 19, 2020. Here are the reasons: 1. Including water damage insurance: Because it includes waterlogging insurance, commercial auto insurance purchased before September 19, 2020, must include both vehicle damage insurance and waterlogging insurance to be eligible for compensation. For relatively low-priced cars, if they have both waterlogging insurance and vehicle damage insurance, and the engine is damaged, full compensation can be provided. 2. Repair based on vehicle age: For very old cars that have lost their repair value, they will be treated as scrapped. If the repair cost exceeds 50% of the vehicle's value, the insurance company will consult with used car dealers to sell the vehicle.
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