Will the insurance company compensate if the car is flooded?

[McReese]

Whether the insurance company compensates depends on the insurance purchased and whether there was a secondary start. The following is relevant information about the car after being flooded: 1. Compensation rules: If you have purchased car damage insurance, other losses except the engine will be compensated; If you have purchased car damage insurance and waterlogging insurance, losses including the engine will be compensated, but damage to the engine caused by the owner's secondary start will not be compensated; If you have not purchased car damage insurance, the loss after being flooded will not be compensated. 2. Handling plan: If the vehicle is soaked in water, notify the underwriting insurance company immediately. This is called reporting a claim, and requires the underwriting insurance company staff or an entrusted third-party appraiser to conduct an on-site investigation. However, under normal circumstances, when insurance companies face a large number of flooded car cases, they often cannot arrive at the scene in time to handle them. You can request the insurance company, the owner, or the insured to take photos of the on-site water immersion situation with a camera or mobile phone as evidence for compensation.