Can a Car still be repaired after being submerged in a flood?
Vehicles can be repaired after being submerged in flood water, but this depends on the extent of the damage. A small flood does not cause much damage, and the vehicle can be repaired.
However, if the car has been submerged in water for several days, the car insurance company can claim that the vehicle is completely lost. This is because water damage, including electrical damage, can be difficult and expensive to repair. Vehicles that have been repaired and included in the insurance claims process can be insured after the work is completed, but the flood works will be recorded in the vehicle history report.
If your car is totaled, you can still keep your car as an Owner’s Reserve Recovery Vehicle. If the car passes the government inspection, he gets the right to repair it.
While this means you can hit the road with your previously damaged vehicle, you may have trouble finding car insurance. Insurance companies consider new title vehicles to be more risky to insure than other vehicles. They may not offer you coverage, or they may deny you optional coverage, such as collision or comprehensive coverage.