Is a Car Considered Totaled If It Gets Flooded?

[McGriffin]

According to relevant regulations, vehicle damage caused by general "natural disasters" such as heavy rain, floods, landslides, and mudslides falls under the coverage of commercial auto insurance's vehicle damage insurance, and insurance companies will provide compensation. Here are the specific details: 1. Total Loss: Flood-damaged cars can be repaired to a certain extent, but even after repairs, there are serious hidden dangers. The longer the soaking time, the higher the probability of malfunctions. It's like a watch falling into water—even if it's disassembled and dried, the watch will still malfunction and cannot be completely fixed. If the flooding is severe, opting for a total loss is also a good choice. 2. Solution: Repairs can be performed, but it's essential to remember that most components in the car must be disassembled for water damage cleanup. All wiring connectors should undergo water damage treatment and be coated with anti-rust oil. The airbag and computer components require thorough circuit cleaning, and replacement may be necessary if needed. The engine also needs to be disassembled for water damage cleanup.