Hello! Generally speaking, as long as the owner has purchased the vehicle loss insurance, he can call the insurance company after the vehicle enters the water. Car damage insurance stipulates that the insurance company will be responsible for all or part of the losses caused by lightning, rainstorm, flood, waterlogging, tsunami, etc. However, if the engine is damaged by water, only the owner who has insured the water-related insurance can get compensation. In other words, if the car enters the water, the owner can get compensation for car damage insurance; If the engine is damaged by water, the owner can get compensation by taking out water insurance. It should be noted that the insurance company is not responsible for compensation for engine damage caused by the sudden flameout and forced re-ignition of the car when wading. In addition, when the vehicle breaks down due to water inflow, the owner should report the case to the insurance company at the first time and actively organize rescue, cut off the circuit as soon as possible, and drag the vehicle out of the water to the repair shop for maintenance. If the insurance company can't arrive in time after reporting the case, under the guidance of the insurance company, the owner can take photos to keep the evidence on the spot and organize rescue at the first time to reduce the loss of the vehicle, but remember not to start the engine again.