Is Insurance Claimable for a Vehicle Totaled Due to Water Damage?

3 Answers
DeEliza
07/29/25 12:08am
Insurance is claimable for a vehicle totaled due to water damage. Below is a detailed introduction to the vehicle damage insurance: Coverage includes: vehicle damage insurance, third-party liability insurance, theft insurance, seat liability insurance, standalone glass breakage insurance, spontaneous combustion insurance, scratch insurance, and compulsory traffic insurance. Scope: The insured vehicle is covered for parallel falls while driving, storms, tornadoes, lightning strikes, hail disasters, heavy rain, floods, tsunamis, ground collapse, ice collapse, cliff collapse, avalanches, mudslides, and landslides. The insured vehicle is also covered for total theft, robbery, or snatching, as well as damage incurred during or due to attempted theft, robbery, or snatching, or loss of vehicle parts and accessories.
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SanPaige
08/12/25 3:21am
Last time my car got completely flooded in a heavy rainstorm and was totaled. The insurance claim process was quite uncertain. Insurance companies mainly check whether your policy includes additional coverage for water damage or natural disasters. If so, they’ll assess the damage and compensate accordingly. The total loss threshold is usually when repair costs exceed about 70% of the vehicle’s actual value, in which case they’ll pay out the residual value. When filing a claim, report it immediately, take photos, and don’t move the car to avoid secondary engine damage. I had comprehensive coverage at the time and got compensated, but they deducted a deductible of a few thousand. My advice now is to opt for insurance with added water damage coverage, park away from low-lying areas, and if water gets in, turn on hazard lights and pull the handbrake first. After all, a totaled car isn’t just about money—it’s a bigger safety hazard.
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OSteven
10/01/25 6:57am
I haven't been driving for long, and I'm particularly worried about my car getting flooded and written off by insurance. Experience tells me that claims mainly depend on whether your policy includes water damage coverage. If not, the insurance company might refuse to pay, as standard collision insurance doesn't necessarily cover flood damage. The write-off process involves the insurer sending someone to assess if repair costs are too high, then compensating based on the car's value proportionally. Also, pay attention to the cause of flooding—natural disasters or parking in deep water might be covered, but actively driving through deep water is questionable. I've learned that when buying insurance, it's crucial to read the fine print carefully, and adding water damage coverage is more cost-effective. My classmate successfully claimed after his car was flooded once, but it took time to process the paperwork. So, always park carefully and check the seals on doors and windows regularly.
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