Does a car count as a flood-damaged vehicle if submerged for 2 hours?

[LeCarmen]

Flood-damaged vehicles refer to cars that have been submerged in water, typically meaning the wiring harness has been soaked, the water depth exceeds one-third of the wheel height, and the vehicle's underbody components have been in prolonged contact with water. Below are the relevant classifications: 1. Water-damaged car: If the water level exceeds the vehicle's chassis, it is considered a water-damaged car; if water enters the cabin, it is also classified as a flood-damaged vehicle, though the extent of submersion may vary. If only the cabin is flooded, it is termed a water-damaged car. 2. Semi-flooded car: If the water level surpasses the oil dipstick, it can be referred to as a semi-flooded car. 3. Fully flooded car: If the water level exceeds the engine hood or the dashboard, it is then called a fully flooded car.