···
Log in / Register

How Much Can Be Claimed for a Fully Insured Car Submerged in Water?

4 Answers
DeLiam
08/30/25 3:12am

A fully insured car submerged in water will be compensated by the insurance company for 80% of the actual loss. The relevant details are as follows: Claim Process for a Water-Damaged Car: First, report the incident. Once the vehicle is submerged, immediately call the insurance company to report the claim. Next, take photos. If the insurance surveyor cannot arrive promptly, the owner should take photos of the scene and the vehicle's damage safely for assessment and claims. Third, arrange for rescue. You can contact the insurance company for rescue services or a professional rescue company. Six Levels of Water Damage: Level 1: Water just reaches the vehicle's chassis. The floor may get damp, but significant water ingress is unlikely, and the impact on electrical equipment is minimal. Level 2: Water reaches halfway up the wheels. Due to the vehicle's incomplete sealing, water begins entering the interior. For lower cars, the water level may affect seat adjustment motors and heating/ventilation components. Level 3: Water almost fully submerges the tires. The interior water level will soak the seat cushions and center console, affecting numerous electrical components. Level 4: Water reaches the engine hood. The interior water level rises to the dashboard, and the headlights and engine intake pipes start taking in water. Level 5: Water completely submerges the engine hood. Almost all interior electrical components are affected. Level 6: Water submerges the roof. The ceiling and sunroof modules are impacted, and no interior component remains unaffected.

Was this review help?
18
5
Share
DelOmar
09/11/25 7:18am

I once experienced my car being flooded, and whether comprehensive insurance covers it depends on the specific policy terms. Typically, the vehicle damage insurance under comprehensive coverage will compensate for non-engine parts, such as soaked seats or water-damaged electronic devices, with the amount calculated based on the depreciated value of your coverage. However, if the engine is damaged, you’d need separate wading insurance to claim. Last time my car got flooded, the insurer inspected it and said the engine was fine, so they covered about 10,000 yuan for interior repairs. But if the engine was damaged due to restarting after wading, they wouldn’t pay a penny. Always report the claim immediately, take photos for evidence, and never move the car before the inspection.

Was this review help?
16
1
Share
Expand All
LaAthena
10/25/25 8:09am

Comprehensive insurance doesn't cover everything for water-damaged vehicles. It mainly depends on whether you've purchased the additional wading insurance. The vehicle damage insurance only covers losses other than the engine, such as moldy carpets or burnt dashboards. The insurance company will compensate based on the depreciated value of the car at the time. For example, my relative's water-damaged car received 20,000 yuan in compensation, but since the car was 10 years old, only 50% of its residual value was considered. Engine water damage is an additional insurance item; you need to buy separate wading insurance for coverage, and the repair costs won't exceed the actual value of the vehicle. During the claims process, the loss assessor will dismantle the car for evaluation. Cars submerged up to the dashboard level are often declared a total loss and handled as scrap directly.

Was this review help?
18
2
Share
Expand All
DelRemington
12/08/25 8:33am

Comprehensive insurance coverage for water damage depends on the situation: The vehicle damage insurance covers non-engine parts, such as short circuits in the electrical system or damaged seats due to water immersion. Engine damage requires separate purchase of water ingress insurance to be covered. The compensation amount is calculated based on the insured amount of the vehicle damage insurance at the time of purchase, minus depreciation. If the engine is damaged due to restarting the vehicle after water ingress, the insurance company will refuse to compensate in all cases. Last year, my colleague drove into water during heavy rain and, without water ingress insurance, only received 18,000 yuan for interior repairs, while the engine repair cost 4,000 yuan out of pocket. When handling such incidents, remember to report to the insurance company first, take photos, and avoid touching the keys.

Was this review help?
19
1
Share
Expand All
More Forum Discussions

What are the reasons for the difficulty in starting the Honda 160 gasoline engine?

Honda 160 gasoline engine may be difficult to start due to carbon deposits on the spark plugs, and the oil and gasoline not being newly added. Introduction to gasoline engines: A gasoline engine (Gasoline-Engine) is an engine that uses gasoline as fuel to convert internal energy into kinetic energy. Due to the low viscosity and rapid evaporation of gasoline, a gasoline injection system can be used to inject gasoline into the cylinder. After compression reaches a certain temperature and pressure, the spark plug ignites it, causing the gas to expand and perform work. Gasoline engines are characterized by high speed, simple structure, light weight, low cost, smooth operation, and convenient maintenance. Gasoline engines are widely used in automobiles, especially small cars. Structure of the gasoline engine body: It is the assembly base for various components of the engine. It includes the cylinder head, cylinder block, and lower crankshaft case (oil pan). The inner walls of the cylinder head and cylinder block together form part of the combustion chamber. Many parts of the engine body are also components of other systems.
17
2
Share

Can the Audi Q5L have its exhaust modified?

Modification is possible. The new Audi Q5L comes with stylish dual exhaust pipes, featuring a square design that exudes a strong sense of sportiness. Introduction to the Automotive Exhaust System: The automotive exhaust system primarily discharges the waste gases produced by engine operation while reducing pollution and noise from the emitted exhaust. It is mainly used in light-duty vehicles, compact cars, buses, motorcycles, and other motor vehicles. Components of the Automotive Exhaust System: The automotive exhaust system refers to the system that collects and discharges waste gases. It generally consists of the exhaust manifold, exhaust pipe, catalytic converter, exhaust temperature sensor, automotive muffler, and exhaust tailpipe, among other components.
10
4
Share

What are the functions of the Volkswagen T-Roc car key?

Volkswagen T-Roc's key has three buttons: lock, trunk opening, and unlock. To lower all four windows simultaneously, press and hold the unlock button; to raise all four windows simultaneously, press and hold the lock button. Main functions of the car key: In addition to controlling the opening and closing of the car doors, the car remote can also control the windows and the trunk, both of which are commonly used in daily life. When you want to increase air circulation inside the car for ventilation or to remove odors, you can simply use the remote to lower the windows. Basic principle of the car remote key: A weak radio wave is emitted from the owner's vicinity, received by the car's antenna. The electronic control unit (ECU) identifies the signal code, and then the system's actuator (motor or electromagnetic coil) executes the action of opening or closing the lock.
6
3
Share

Should I buy the 120 or 170 version of Hongguang?

The choice between different range versions should be based on your travel needs and the weather conditions in your area. Introduction to Driving Range: Driving range, also known as endurance, refers to the total distance that vehicles such as cars and ships can travel continuously with maximum fuel reserves. For electric vehicles, the driving range refers to the distance traveled from a fully charged state of the power battery to the end of the test specified by the standard. It is an important economic indicator for electric vehicles. The Relationship Between Driving Range and Speed: Firstly, due to air resistance. When a car is running at high speed, most of the power is used to overcome air resistance.
11
1
Share

Why is there still air coming out after the Corolla's air conditioning is turned off?

Car air conditioning is turned off, but the air outlet still blows air because the external circulation mode is turned on. Introduction to car air conditioning: The car air conditioning device, referred to as car air conditioning, is used to adjust and control the temperature, humidity, air cleanliness, and air flow inside the car compartment to the optimal state, providing passengers with a comfortable riding environment and reducing travel fatigue. It also creates good working conditions for the driver and plays an important role in ensuring safe driving as a ventilation device. Car air conditioning layout: Different types of air conditioning systems have different layout methods. Currently, integrated heating and cooling air conditioning systems are widely used in cars. The layout involves assembling components such as the evaporator, heater radiator, centrifugal blower, and control mechanism together, which is called the air conditioning unit assembly.
4
1
Share

Does the Elantra's window glass outer trim strip have adhesive?

Does the Elantra's window glass outer trim strip have adhesive. Window Introduction: Windows are an important part of the entire vehicle body, designed to meet the needs of interior lighting, ventilation, and visibility for drivers and passengers. Depending on the installation position of the glass, windows can be categorized into: front and rear windshields, side windows, and door windows. The design, structure, and quality of the windows have a significant impact on the driver's visibility, passenger comfort, exterior aesthetics, and aerodynamic characteristics. Window Materials: Automotive glass is primarily used for windshields. More than 80 years ago, glass was already installed on the front of the Ford Model T, using flat glass to protect the driver from wind and rain.
8
5
Share
Cookie
Cookie Settings
© 2025 Servanan International Pte. Ltd.