How does insurance compensate for a car totaled by flooding?

[StKevin]

As long as the vehicle was not started in water, expenses such as cleaning fees and wiring harness inspections can be claimed under the auto damage insurance. For vehicle losses caused by heavy rain, compensation can be provided according to the terms of the insurance contract.

[SanRosalie]

Last year, I went through the ordeal of having my car flooded and declared a total loss. I was extremely anxious at the time, but fortunately, I had comprehensive insurance. I immediately called the insurance company to file a claim, and they sent an adjuster to assess the damage. When it was determined that the water damage was too severe to repair, the car was processed as a total loss. The compensation was calculated based on the car's market value. For example, my old car was worth 30,000, and after the insurance company provided an assessed value minus the 5,000 deductible, I received 25,000. The entire process could be completed in as little as one to two weeks if everything went smoothly. The key is to take photos and document the flooding situation promptly, and also keep a copy of the insurance policy. I recommend everyone to purchase flood insurance and choose higher ground for parking during the rainy season—don't skimp on this expense.