The vehicle is completely flooded, the car becomes a flooded car, theoretically it is necessary to handle scrapping, at this time as long as the vehicle insurance has wading insurance, then what is the amount of this insurance, how much does the insurance company need to pay, of course, some compensation procedures may be required.
First of all, the staff of the insurance company will assess the damage of the vehicle, mainly to see whether the car has reached the level of scrapping after flooding, and if it does not reach the corresponding level, it is not allowed to go through the scrapping procedures. Only if it is determined that it needs to be scrapped after the damage is assessed, the insurance company can go through the scrapping process. For example, although some cars are flooded, but there is no water inside the engine, there is no need for major repairs, or the cost of maintenance is much lower than scrapping, in this case, it may not be possible to go through the scrapping procedures.
The second step is to determine that after the scrapping, the car needs to be auctioned, before the auction, the insurance company will generally pay a large part of the money to the owner, and the remaining part needs the insurance company to complete the auction procedures, sell the car, and then pay the remaining cost to the owner.
Under normal circumstances, as long as the vehicle is flooded, it will basically go through the scrapping process, although there is no water inside the engine, but the circuit of the whole vehicle is wading, it is easy to cause a short circuit in the circuit, and the circuit short circuit will cause vehicle failure, and it is likely to cause spontaneous combustion in serious cases, so as long as it is a flooded car, most of them have to go through the scrapping procedures. For car owners, once the vehicle is wading, what to do is to report to the insurance company, and then find out their own vehicle insurance policy, see if the vehicle insurance is complete, and finally compensate the insurance company in accordance with the contract.
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