What is the standard for vehicle scrapping due to water submersion?
3 Answers
Submerging up to the engine hood is enough to scrap the vehicle. Even if not scrapped, the repair cost could reach 80% of the vehicle's value. Insurance companies will cover water-damaged vehicle scrapping if you have commercial vehicle damage insurance. Another scenario is when repair costs exceed the insured value of the vehicle. Additional information on the impact of water submersion on vehicles: Interior mold: Most automotive interior materials are water-absorbent. Rainwater contains numerous impurities and bacteria, and the enclosed cabin space creates an environment conducive to mold growth. Engine damage: If water has entered the engine, forcibly starting the vehicle can cause severe connecting rod deformation. Transmission failure: Once water enters the transmission, the vehicle may experience slipping issues, potentially leading to transmission failure.
I've been repairing cars for decades and seen it all. There's no absolute standard for a car being totaled due to water damage, but generally speaking, if the water level reaches halfway up the tires or higher, the engine may get flooded and ruined. If a car is submerged in floodwater with levels above the wheel hubs or hood, electronic systems like wiring and computer boards will corrode and short circuit. Repairs can easily cost tens of thousands, and when insurance companies assess that repair costs exceed 70-80% of the car's value, they'll declare it a total loss. Last year, a driver took his sedan through a waterlogged area where the water reached the floorboard. He forced the engine to start, which led to complete engine failure. In the end, it was more cost-effective for the insurance company to pay out a total loss claim for him to buy a new car. Never attempt to drive through floodwater blindly – immediately call for a tow truck to take the car to a repair shop for inspection. This can save lives and big money.
When discussing vehicle water damage write-offs, I often explain that the key lies in insurance rules. If the water level reaches the wheel hub or higher, say submerging the dashboard, prolonged soaking corrodes all electronic components beyond repair, causing repair costs to skyrocket. Insurers assess submersion duration and depth—if repairs exceed 70-80% of the vehicle's current market value, they'll declare it a total loss. I advise owners not to start the engine after water ingress; instead, call professional towing for inspection. Insurers also review repair history and salvage value—prompt handling ensures smooth claims, allowing owners to top up for a safer replacement vehicle.
