How Does Insurance Handle Claims for Water-Damaged Vehicles?

[VioletLynn]

Water-damaged vehicles require assessment based on specific circumstances to determine if the insurance company will cover the claim. Only if the vehicle has comprehensive insurance and water damage coverage, and was submerged with proper handling, may the owner receive compensation. Improper handling will result in denied claims. There are three scenarios for water-damaged vehicles: 1. Vehicle submerged while parked and stationary: If the owner has comprehensive insurance, they can generally receive compensation. The insurer will calculate the payout based on repair costs or total loss. 2. Vehicle submerged while driving without restarting the engine: The owner needs both comprehensive insurance and water damage coverage. Comprehensive insurance covers non-engine damages while water damage coverage handles engine-related costs. 3. Vehicle submerged while driving and the owner restarts the engine: Any restart attempt constitutes improper operation, and the insurance company will deny the claim.