Should a Flood-Damaged Car Be Scrapped or Repaired?

[McSpencer]

Whether a damaged vehicle should be scrapped is determined by professional insurance assessors. If the vehicle's damage reaches 70% or more of its actual value, it is generally considered a total loss. For cars with severe flood damage exceeding 70%, scrapping is usually the better option. Conversely, if the flood damage is minor with minimal impact, repair is more advisable. Additional details are as follows: 1. Vehicle Scrapping: A car is classified as scrap when it meets national scrapping standards or, even if not meeting those standards, has severe engine or chassis damage that fails to comply with national safety technical requirements for motor vehicle operation or emission standards. 2. Flood-Damaged Cars: These refer to vehicles that have been submerged in water, typically involving water exposure to the engine and transmission, with immersion depth exceeding the wheels and seats, and prolonged contact between the vehicle's underbody components and water. Such vehicles pose significant risks, as their electrical systems are prone to short circuits and potential fires.