Should a Flooded Car Be Scrapped or Repaired?

[VanAlessandra]

Make the choice based on the extent of water damage. If the car is damaged by more than 70%, it should be scrapped; if the flooding is relatively minor with minimal damage, opt for repairs. Generally, flooded cars are categorized into three levels: a waterlogged car refers to water levels exceeding the chassis; if water surpasses the oil dipstick, it's called a semi-submerged car; and if water rises above the engine cover or dashboard, it's termed a fully submerged car. All three scenarios can be repaired, but they carry certain risks—the longer the soaking time, the higher the likelihood of malfunctions. Whether a damaged vehicle should be scrapped is determined by professional insurance assessors. If the vehicle's loss exceeds 70% of its actual value, it is generally considered a total loss, and you can file a claim with the insurance company. However, note that full compensation does not equate to the price of a new car; it only covers the car's actual value, not its new-car value.