What Happens When a Stationary Car Gets Flooded?
2 Answers
A stationary car that gets flooded will be rendered inoperable. Below is an introduction to some aspects of auto insurance: Components: Auto insurance typically consists of basic coverage and additional coverage. Basic coverage is further divided into vehicle damage insurance and third-party liability insurance. Coverage Details: Vehicle damage insurance compensates for losses to your own vehicle; third-party liability insurance covers damages to entities outside your own vehicle, such as people and public property you hit, or the other party's vehicle; passenger liability insurance compensates for injuries or property losses to people inside your own vehicle; theft insurance covers losses when your vehicle is stolen; no-deductible coverage ensures 100% compensation in case of an accident. Without no-deductible coverage, you are responsible for 30% of the deductible in each accident.
Last summer, I personally witnessed my friend's old car getting submerged up to the wheel level after a heavy rainstorm. The next day, the engine completely failed. When we towed it to the repair shop, the mechanic said water had entered the cylinders, causing piston deformation, and the repair cost nearly 10,000 yuan. Even worse, after the interior got flooded, the power windows malfunctioned, the seat foam grew mold and emitted a foul odor, and a month later, the dashboard started displaying random error codes. The insurance investigation dragged on for months before providing partial compensation, but the car's value had already depreciated by half. In short, a stationary car getting flooded is an absolute disaster—water corrodes metal components, damages electronics, and can even disable airbags. If the water level exceeds the midpoint of the tires, the car is essentially totaled. Always call for a tow truck immediately and never attempt to start the engine. For daily parking, remember to choose higher ground to avoid trouble, and during flood-prone weather, check forecasts frequently for prevention.
