How do insurance companies determine secondary ignition?

[SanAthena]

After a vehicle is submerged in water, the starter motor will only engage again if the engine stalls. At this point, if the starter motor does not respond, it is considered a secondary ignition. Secondary ignition refers to the situation where the vehicle stalls underwater, and the driver attempts to turn the key to start the engine again while still submerged. If the vehicle has flood insurance, the difference between not attempting to start the engine and attempting a secondary ignition determines whether the claim is eligible for compensation or not. Here is more detailed information: 1. Under normal circumstances, if a vehicle stalls in water, there is a 50% chance it could cause engine damage. However, if the driver attempts to restart the engine after stalling, the engine will almost certainly be "destroyed." 2. Some insurance companies also include secondary ignition after stalling due to water ingress as an exclusion clause in flood insurance. This means that if the vehicle is submerged and the owner attempts a secondary ignition, any resulting engine damage will not be covered by the flood insurance, even if the policy is active.