What is the difference between static water submersion and dynamic water submersion?
1 Answers
Water-damaged vehicles can generally be divided into two categories: dynamic water submersion and static water submersion. This is actually quite easy to understand. Dynamic water submersion refers to a vehicle being submerged while in motion, whereas static water submersion occurs when the vehicle is parked. The main difference between the two, from an insurance company's perspective, lies in whether engine damage is involved. Engine damage: Under normal circumstances, static water submersion does not cause engine damage. For dynamic water submersion, it's difficult to determine whether the engine will be damaged—it might or might not be. However, if the engine is forcibly started while submerged, it will almost certainly be damaged. This raises the issue of insurance claims. If you have purchased water submersion insurance, the engine damage can generally be covered regardless of whether it was a secondary start or any other scenario, unless it was done intentionally. Therefore, claims that "secondary starts" void engine coverage even with water submersion insurance are either unprofessional or an excuse used by insurers to avoid paying. However, without water submersion insurance, engine damage will not be covered under any circumstances of water submersion.
