Full compensation for flood-damaged vehicles refers to the insurance company providing full coverage for the vehicle after it has been submerged in water. Once a car is flooded, the key role in auto insurance is played by the vehicle damage insurance, but the compensation under vehicle damage insurance has its limits. The insurer is responsible for compensating the insured for the loss of the insured motor vehicle caused by collision, overturning, fire, explosion, falling objects, collapse, heavy rain, flood, mudslide, landslide, etc., during the use of the insured motor vehicle, in accordance with the terms of the insurance contract. Vehicle flooding can be categorized into the following levels: Water just reaches the vehicle chassis, the exhaust pipe, fuel tank, and carbon canister may get waterlogged, and the vehicle floor may become damp, but the likelihood of significant water ingress is low, and the impact on the vehicle's electrical equipment is minimal. Water reaches halfway up the wheels. At this point, due to the vehicle's incomplete sealing, water begins to enter the interior. For lower-profile sedans, the water level inside the vehicle can affect the seat adjustment motors and heating/ventilation electrical components. Water almost completely submerges the tires. At this stage, the water level inside the vehicle will fully submerge the seat cushions and center console area, affecting a large number of electrical components. Water reaches the engine hood. At this point, the water level inside the vehicle rises to the dashboard, and the headlights and engine intake pipes in the engine compartment begin to take in water. Water completely submerges the engine hood. At this stage, almost all the vehicle's electrical equipment will be affected by the water. Water submerges the roof. The vehicle's ceiling and sunroof module will be affected, and no interior component will be spared.
