Is a New Energy Vehicle Scrapped if Submerged in Water?
3 Answers
The power battery is the core of a new energy vehicle. The battery is extensively laid out at the chassis of the vehicle, making it more likely to come into contact with water during floods or rainy seasons. Currently, automakers predominantly use ternary lithium batteries, which offer long lifespan and high energy density but vary in stability. According to national regulations, the waterproof level of batteries must reach IP67, meaning the battery can be submerged in water at a certain depth under normal temperature without leakage or electric shock. Additional relevant information is as follows: Note 1: Domestic new energy vehicle manufacturers claim their power battery protection level reaches "IP67" (meaning the battery can be submerged in water at a certain depth for 30 minutes without damage). The highest protection level currently is IP68. Note 2: If a new energy vehicle is submerged in water, especially the power battery, it can cause significant financial losses to the owner. Currently, the most direct and effective way to cover such losses is through insurance. After interviewing insurers like Pacific, PICC, Ping An, and others, journalists have provided the following recommendations: Water-related insurance is not necessary for purchase. Pure electric vehicles require insurance similar to gasoline trucks, but they do not need water-related insurance. Water damage is covered under "special loss insurance." New energy vehicles only have motors and batteries, not engines.
Speaking from a car enthusiast's perspective, once a new energy vehicle gets flooded, it's basically totaled. If water gets into the battery system, it can easily short-circuit and catch fire, making it impossible to repair safely. For high-voltage components in electric vehicles, water infiltration means the entire circuit needs replacement, costing tens of thousands—how much is a new car worth anyway? If you encounter flooding, cut the power immediately and call for a tow truck to send it for professional inspection. But honestly, most insurance companies will declare it a total loss and pay out, saving you the hassle. Remember, don’t try to handle it yourself—it’s extremely dangerous. Flood-damaged cars have long-term issues like corrosion and hidden safety hazards that can surface years later. It’s better to just scrap it and buy a new one. This serves as a reminder: park on higher ground during the rainy season and regularly check seals during maintenance.
As a professional who frequently deals with such issues, I find handling waterlogged new energy vehicles quite challenging. If the water level exceeds half of the vehicle's height, the battery pack is usually ruined, and hybrid vehicles aren't much better. Mechanics often report that electronic components are completely rusted upon disassembly—even if repaired, the vehicle won't last long and may risk electrical leaks or combustion. Based on experience, when insurance companies estimate repair costs approaching 90% of the vehicle's value, they typically opt for a full payout to replace the car. If handling it yourself, don't cut corners—immediately disconnect the power and call for professional rescue. Let a specialized shop inspect and decide whether to scrap the vehicle. For long-term prevention, choose vehicles with waterproof configurations, enhance regular inspections, and minimize unexpected losses.
