How does the insurance company handle claims for water-damaged vehicles?

[DiBentley]

If a vehicle is submerged while stationary, comprehensive insurance can provide coverage. Specific details are as follows: 1. According to the Home-use Automobile Loss Insurance Clause: During the insurance period, if the insured or their legally permitted user suffers loss of the insured vehicle due to natural disasters such as heavy rain or floods while using the vehicle, the insurance company will compensate as agreed. 2. Claim scope: It is recommended that the owner should not attempt to move or start the vehicle after the incident. Instead, they should call the insurance company as soon as possible to report "vehicle submerged," ideally within 48 hours. The specific compensation for the vehicle will depend on the terms of the owner's insurance policy. If the water level rises above the dashboard, the insurance company may consider full compensation.