How to Claim Compensation for a Flood-Damaged Totaled Vehicle?

[VonJosiah]

If the vehicle has already met the criteria for being totaled, the insurance company will provide full compensation under the comprehensive coverage, deducting only a portion of the residual value. If the vehicle does not meet the criteria for being totaled, the insurance company will compensate based on the actual damage within the coverage limit. If the vehicle is submerged while driving, it can easily cause engine damage. In this case, an engine-specific water damage coverage (commonly known as "flood insurance") is required for the claim.