What is the standard for determining the total loss of a water-damaged vehicle?

1 Answers
DiMila
07/29/25 5:49pm
Water-damaged vehicle total loss standard refers to when the vehicle is completely destroyed and cannot be repaired, or the repair cost reaches or exceeds the actual value of the vehicle. Below are specific details about related classifications: Flooded vehicle: Water level exceeds the chassis, referred to as a flooded vehicle. Partially submerged vehicle: Water level exceeds the oil dipstick, known as a partially submerged vehicle. Fully submerged vehicle: Water level exceeds the engine hood or dashboard, called a fully submerged vehicle. Additional information: A water-damaged vehicle refers to a car that has been soaked in water, typically meaning the engine and transmission have been submerged, with water depth exceeding the wheels and seats, and prolonged contact between the vehicle's underbody components and water. Such vehicles pose significant risks, as the electrical circuits are prone to short circuits and potential fires.
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