How does insurance compensate for a Level 4 water-damaged vehicle?
1 Answers
If the vehicle has comprehensive insurance and was submerged while parked, the insurance will cover the full cost of repairs. If the vehicle has comprehensive insurance and was submerged after stalling while driving, the insurance will cover the cost if it includes water damage coverage. Without water damage coverage, only the parts other than the engine will be compensated. If the vehicle was submerged and the engine was damaged due to forced starting, the insurance will not provide compensation.