How Does Insurance Cover a Flooded Car?

[VonZachary]

Disassembly fees, inspection fees, engine oil, and other maintenance or repair costs for a water-damaged vehicle's engine can be compensated under the vehicle damage insurance. If the engine special loss insurance is purchased, the cost of engine connecting rod and other damaged parts caused by water ingress can be covered.

[DelDylan]

Last time my car was flooded, dealing with insurance claims first depends on what coverage you have. Generally, only comprehensive insurance covers water damage, while specific water submersion coverage offers more specialized protection. I immediately called my insurance company to report the incident—don’t panic, they said they’d send an adjuster to take photos and document the damage. Do not start the car! If the engine is waterlogged and started, it could worsen the damage, and the insurer might deny that part of the claim. After the damage assessment, if the car can be repaired, the insurance covers the cost; if it’s too severely flooded to justify repairs, the insurer may pay out the total loss for a new car. Always check if your policy includes water submersion coverage, and be cautious of flood warnings when driving in mountainous or low-lying areas. The whole process requires patience—keep your vehicle registration and accident photos ready, and claims are usually settled within one or two weeks.

[RyleeMarie]

I often assist clients with car insurance claims, and water submersion cases are common. First, you need to report the incident promptly, and the insurance company will arrange for an adjuster to verify the damages. Compensation depends on the coverage you purchased—only comprehensive or water submersion insurance will cover it, basic insurance won’t. They will assess whether to repair or declare it a total loss. If the engine is flooded, avoid starting it, or you’ll have to pay for repairs yourself. Provide on-site photos and your policy number. The claim amount is calculated based on market value, up to the car’s worth. It’s advisable to add water submersion coverage when buying insurance, especially in areas prone to heavy rain. For safety, don’t move the car after submersion to avoid short circuits and increased risks. Contact customer service to track progress and wait about a week for the outcome.

[ElianaLee]

My new car got flooded, what a headache. Contact the insurance company immediately to file a claim. Depending on the situation, comprehensive insurance or water damage insurance may cover the repair costs. Don't rush to move the car as it may cause further damage. Wait for the insurance adjuster to inspect and take photos for assessment. They'll either pay for repairs or compensate if it's not worth fixing. Remember to prepare your policy documents and stay calm throughout the process.