Will the Insurance Company Compensate for a Water-Damaged Vehicle?

[LeEmery]

Whether an insurance company compensates for a water-damaged vehicle depends on the specific circumstances. Compensation is only possible if the vehicle is covered by both collision insurance and water damage insurance, and the vehicle was submerged with proper handling. Improper handling will result in the insurance company refusing compensation. There are three scenarios for water-damaged vehicles: 1. The vehicle is submerged while parked: If the owner has collision insurance, compensation is generally available. The insurance company will calculate the compensation based on repair or write-off costs. 2. The vehicle is submerged while driving, without restarting the engine: Both collision insurance and water damage insurance are required. Collision insurance covers costs other than the engine, while water damage insurance covers engine-related costs. 3. The vehicle stalls due to submersion while driving, and the owner restarts the engine: Restarting the engine constitutes improper handling, and the insurance company will not compensate.