What to Do If Your Car Is Flooded?

[LeHolden]

Here are the steps to handle a flooded car: 1. File an insurance claim: As long as the flooding wasn't caused intentionally—for example, if the car was parked and not moved, such as in a parking lot—most vehicle owners will be compensated under their auto insurance policy for damages. 2. You can proactively claim compensation: Either repair the vehicle or scrap it according to regulations. Additional details are as follows: A flood-damaged car refers to a vehicle that has been submerged in water, typically meaning the engine or transmission has been soaked, with water levels exceeding the wheels and seats, and the underbody components have been in prolonged contact with water. Such vehicles pose significant risks, as the electrical systems are prone to short circuits or even fires. While flood-damaged cars can be repaired to some extent, even after repairs, they may still have serious hidden dangers. The longer the immersion time, the higher the likelihood of malfunctions. This is similar to a watch falling into water—even if it's disassembled and dried, it may still malfunction and cannot be completely fixed.