How does car damage insurance compensate if a vehicle is scrapped due to water immersion?

[SkylarAnn]

Insurance companies generally sign a total loss agreement with the car owner and provide a certain amount of compensation based on the agreed insured amount. The following are relevant details: 1. Claim scope: You must purchase the corresponding car damage insurance to receive compensation from the insurance company. In claims for vehicle damage after heavy rain, as long as the engine is not damaged due to secondary ignition in water, all repairs and part replacements fall under the coverage of car damage insurance. If the vehicle is stationary and is completely submerged in water, resulting in total loss, the insurance company will compensate for the total loss. However, if car damage insurance is not purchased, all these losses must be borne by the owner, and the insurance company will not provide compensation. 2. Car damage insurance: This is a type of commercial auto insurance where the insurance company compensates within a reasonable range for damage to the insured vehicle caused by an insured accident while the vehicle is being used by the insured or an authorized driver.