How to Assess Damage for a Statically Flooded Vehicle?

1 Answers
AliviaFitz
07/30/25 4:53am
Vehicle submerged while stationary: In this scenario, as long as the owner has purchased vehicle damage insurance, the insurance company will settle the claim as a natural disaster. The specific compensation amount depends on the insurance policy coverage and the inspection results from the insurance company. It should be noted that vehicle damage insurance only covers damages to the original factory configurations; aftermarket upgrades such as dash cams and navigation systems are not covered. Additionally, the insurance company does not compensate for engine damage caused by water ingress. Flooded vehicles are categorized into three main levels based on the extent of water exposure: 'Waterlogged Vehicle,' where water exceeds the tire level; 'Partially Submerged Vehicle,' where water exceeds the engine oil dipstick; and 'Fully Submerged Vehicle,' where water exceeds the roof.
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