Will the insurance company compensate for water-damaged vehicles?

[Sheila]

Whether an insurance company will compensate for a water-damaged vehicle depends on the specific circumstances. There are three scenarios for water-damaged vehicles: 1. If the vehicle is parked and stationary when submerged: As long as the owner has purchased auto damage insurance, they can generally receive compensation. The insurance company will calculate the compensation based on vehicle repairs or write-offs. 2. If the vehicle is submerged while in motion and there is no secondary ignition: The owner needs to have purchased both auto damage insurance and water ingress insurance. Auto damage insurance covers costs other than the engine, while water ingress insurance covers engine-related expenses. 3. If the vehicle stalls due to submersion while in motion and the owner attempts a secondary ignition: Any attempt to restart the engine is considered improper operation, and the insurance company will not compensate. Therefore, compensation is only possible if the vehicle has both auto damage insurance and water ingress insurance, is submerged under proper operation, and no improper actions are taken. If improper operation occurs, the insurance company will not provide compensation.