What are the damage assessment standards for water-damaged vehicles?

[Sullivan]

There are two standards for assessing damage to water-damaged vehicles: 1. When the vehicle is only insured with vehicle damage insurance: If the vehicle is only covered by vehicle damage insurance and does not have engine water damage insurance, the insurance company will only compensate for losses to parts other than the engine caused by heavy rain, as well as rescue fees. 2. When both vehicle damage insurance and engine water damage insurance are purchased: In this case, the insurance company can compensate for engine damage, other parts damaged due to water submersion, and rescue fees. Relevant information is introduced as follows: Water-damaged vehicles are mainly divided into three levels based on the extent of water submersion. These are "submerged vehicles," where water exceeds the tires; "half-submerged vehicles," where water exceeds the engine oil dipstick; and "fully submerged vehicles," where water exceeds the roof of the car.