Will the insurance company compensate for a new car if it's a water-damaged vehicle?

[DeDominic]

Water-damaged vehicles will not be compensated with a new car by the insurance company. The insurance company will assess the situation and provide compensation accordingly. Below are the compensation scenarios for water-damaged vehicles under different circumstances: Car submerged while parked: If the car is submerged while parked and the owner has purchased auto damage insurance, the insurance will cover the compensation. If the car is damaged by falling objects or utility poles during heavy rain or while floating, these are also covered under auto damage insurance. Car submerged while driving with a secondary start: If the car stalls while driving through water and the driver attempts a secondary start, regardless of whether the old version of water submersion insurance purchased before the insurance reform on September 19, 2020, or the new version of auto damage insurance is in place, the insurance company has the right to refuse compensation for engine damage caused by this.