Will the insurance company compensate for a water-soaked car?

[VanColin]

Here is the relevant information about whether a water-soaked car can be compensated by the insurance company: 1. Having auto damage insurance: Compensation is only possible if the commercial auto insurance includes auto damage coverage. The coverage of auto damage insurance includes rescue costs, cleaning expenses, and damages to electrical components or interior parts. However, damage to the engine caused by flooding or driving through water is generally excluded. 2. Purchasing waterlogging insurance: If the vehicle has waterlogging insurance, all damages, including engine damage, can be compensated. If the driver forcibly starts the engine after the vehicle is water-soaked, causing engine damage, the insurance company will not compensate for the engine even if both auto damage insurance and waterlogging insurance are purchased. Only repair costs other than the engine will be covered.