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Will insurance cover a car that stalls in water and fails to restart on the second attempt?

1 Answers

SanPeter

07/29/25 6:01am

Most insurance companies follow the practice of not covering or partially exempting claims for vehicles that stall in water and are restarted a second time. The reason is that stalling in water is highly likely due to engine water ingress, and a second restart is considered human-caused damage. Below is an introduction to water-damaged vehicles: 1. Overview of water-damaged vehicles: A water-damaged vehicle refers to a car that has been submerged in water, typically involving the engine and transmission being soaked, with water depth exceeding the wheels and body seats. These are vehicles whose underbody components have been in prolonged contact with water, posing significant risks, such as short circuits and potential fires in the electrical system. 2. Hazards of water-damaged vehicles: Components are prone to damage; the engine may suddenly stall; airbags may fail to deploy in critical moments or deploy unexpectedly; they are highly likely to cause rusting of body components, shortening the vehicle's lifespan and reducing safety performance.

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