Will the insurance company compensate for water damage to the car?

[LaElliot]

To determine whether the insurance company will compensate for water damage to the car, you must first confirm if the vehicle has purchased comprehensive insurance (also known as collision insurance). Only then can you file a claim with the insurance company. The insurance company's staff will roughly assess the compensation situation based on the water level inside the car. The specific conditions are as follows: 1. The car is submerged to the highest level: If water reaches the central control screen, rendering the car unusable, it will be treated as a total loss. The insurance company will compensate based on the insured amount minus the residual value. 2. The car is submerged to the middle level: If left submerged for too long, the car may be declared a total loss as the electrical circuits will be damaged. If towed out promptly, it can be cleaned and repaired, and the insurance company will cover the repair costs. 3. The car is submerged to the lowest level: If water only reaches this level, cleaning and repairs are sufficient. It is best to have the repairs done at a 4S shop.