Will the insurance company pay for a water-damaged car with full coverage?

1 Answers
StAlexis
07/29/25 5:11pm
Whether the insurance company will compensate for a water-damaged car with full coverage depends on whether the car's engine was restarted after being submerged in water. If there was no such situation, the insurance company will generally provide compensation; otherwise, the claim will be denied. Below is relevant information about water-damaged cars: Definition: A water-damaged car refers to a vehicle that has been submerged in water, typically involving the engine and transmission being soaked, with water levels exceeding the wheels and seats, and prolonged contact between the vehicle's underbody components and water. Hazards: The dangers of water-damaged cars are significant. If a vehicle is submerged in water, it can easily lead to rusting of body components, shortening its lifespan and reducing safety performance. For example, water damage can cause corrosion and rusting of the vehicle's wiring, leading to sudden engine shutdown or spontaneous combustion due to short circuits while driving, with potentially dire consequences.
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