Core Viewpoint - The article provides a comprehensive guide on how car owners should handle their vehicles after flooding, detailing emergency procedures and insurance claims processes for both fuel and electric vehicles [4][24]. Emergency Handling for Fuel Vehicles - If a fuel vehicle stalls due to flooding, do not attempt to restart the engine to prevent further damage; contact the insurance company for assistance [5]. - If the vehicle is stationary and water has entered the cabin, report to the insurance company for an assessment [5]. Emergency Handling for Electric Vehicles - Immediately disconnect the power after the vehicle is submerged; do not restart the vehicle as it can cause significant damage [7]. - Ensure personal safety by moving away from the vehicle, and contact the dealership or insurance for specialized towing [7]. Repair and Maintenance - For lightly submerged fuel vehicles, quick cleaning and drying can restore functionality, but a month-long check for electrical issues is recommended [9]. - Heavily submerged fuel vehicles should be considered for total loss compensation rather than repair due to potential ongoing issues [10]. - Electric vehicles require specific inspections post-flood, especially for battery integrity, as damage can severely affect performance [12]. Insurance Claims Process - Vehicle owners do not need to worry about not having specific flood insurance, as comprehensive coverage typically includes flood damage [15]. - Claims for submerged vehicles depend on water level and repair costs; vehicles submerged above the dashboard are likely to be classified as total losses [19]. - Electric vehicle claims focus on the battery and electrical systems, with a higher likelihood of total loss due to repair costs [20]. Additional Considerations - Vehicle owners should document evidence of damage, especially for electric vehicles, to facilitate the claims process [20]. - It is advisable to report incidents to insurance within 24 to 48 hours to avoid claim denial [23]. - Regular maintenance and post-flood care, such as washing and checking for corrosion, are essential to prevent long-term damage [14].