What are the standards for scrapping and claiming compensation for water-damaged vehicles?

[JasonFitz]

There are no separate scrapping standards for water-damaged vehicles. Here are the relevant details: 1. Engine damage: If a vehicle's engine is damaged due to submersion in water or driving through water, the damage will not be covered by the vehicle damage insurance. If the vehicle is submerged in water but the engine is not affected, and only parts replacement or circuit repairs are needed, these fall under the coverage of vehicle damage insurance. Even if the vehicle is completely submerged and declared a total loss, the insurance company may compensate for the total loss. 2. Water-related damage insurance: If you haven't purchased water-related damage insurance, the insurance company will only compensate for damages if the vehicle was stationary and submerged, and no attempt was made to start the engine. However, if you knowingly drive through flooded roads and cause damage to the vehicle, the insurance company will not provide compensation.