Will a car be scrapped if it is submerged above the roof?

[StGrant]

Whether a car will be scrapped after being submerged above the roof depends on the assessment by professional insurance company appraisers. The vehicle will only be declared a total loss if the damage reaches 70% or more of its actual value, but such cases are relatively rare. There are three different water levels for submerged vehicles: If the water level exceeds the vehicle's chassis, it is referred to as a submerged vehicle. If the water level rises above the oil level, it can be termed a semi-submerged vehicle. If the water level surpasses the engine hood or dashboard, it is classified as a fully submerged vehicle. From a technical standpoint, all three types of submerged vehicles can be repaired to some extent, but even after repairs, they may still pose significant safety risks. Insurance claims for cars submerged above the roof: After a car is submerged, the specific insurance claim will be processed by the insurance company based on the coverage and the actual extent of the damage. Generally, if the repair cost reaches 80% of the vehicle's actual value, it is considered a total loss. The insurance company will compensate based on the actual value, and the vehicle will be reclaimed by the insurer.