Is a Flooded Car Completely Ruined?

[Willow]

A flooded car is not necessarily a total loss. Whether a flooded vehicle is declared a total loss follows the same criteria as vehicles damaged by other causes. When a car is damaged in an accident, insurance companies typically advocate for a "repair-first" approach and will only declare it a total loss if it meets specific standards. Moldy Interior: The most obvious and superficial issue with a flooded car is that the interior is highly prone to mold growth. Interior components are mostly made of absorbent materials, and rainwater contains numerous impurities and bacteria. The enclosed and poorly ventilated cabin space leads to extremely high humidity after flooding, creating an environment where mold can easily thrive. Engine Damage: If the engine has taken in water, attempting to start the car can cause severe deformation of the connecting rods. In such cases, insurance companies often deny claims. Transmission Failure: If the water level reaches the engine compartment, the transmission is highly likely to be flooded. Once water enters the transmission, the vehicle may experience issues like slipping, shaking, or rough shifting, which can affect the transmission's lifespan or even render it completely unusable.