Does an Unstarted Car Count as a Flood-Damaged Vehicle If It Gets Submerged?

[McMatthew]

An unstarted car that gets submerged counts as a flood-damaged vehicle. How to Handle an Unstarted Submerged Car: If a vehicle is submerged while stationary and not started, the engine is generally not damaged, and compensation can be claimed if comprehensive insurance is purchased. However, if you attempt to start and drive the car out of the flooded area, causing engine damage, even if you have purchased flood insurance, the insurer will not cover the cost. If engine damage is caused by attempting to restart the car while submerged, the insurance company will not compensate, even with flood insurance. Therefore, never attempt to start a submerged car. Classification of Flood-Damaged Vehicles: If the water level exceeds the car's chassis, it is called a water-immersed vehicle; if the water level exceeds the oil dipstick, it can be classified as a semi-flooded vehicle; if the water level surpasses the engine hood or dashboard, it is considered a fully flooded vehicle.