Does the insurance company pay money or repair the car for a water-damaged vehicle?

[VonMadison]

Usually, it is repaired. For engine damage caused by water ingress, the engine water ingress insurance needs to be activated for compensation. If there is vehicle damage insurance, the amount of compensation for a water-damaged car depends on the actual loss of the vehicle. If the repair cost reaches more than 80% of the actual value of the vehicle, the insurance company will generally treat it as a total loss and pay the vehicle damage insurance premium. Hazards of a water-damaged vehicle: 1. Reduced safety: If a motor vehicle is submerged in water, it can easily cause rusting of body parts, shortening the service life and reducing safety performance. For example, a water-damaged car can cause corrosion and rusting of the vehicle's wiring, leading to sudden stalling or spontaneous combustion due to short circuits while driving, with unimaginable consequences. 2. Component damage: Water-damaged vehicles may have some sand and gravel that cannot be completely cleaned, remaining in some gears or belts, which can cause certain components to be prone to damage.