**Is comprehensive car insurance still valid if my vehicle is completely submerged in water?**

According to the National Safety Council, if your car suddenly becomes submerged, stay calm and remain buckled in your seat.

In the event of a flood, the best way to survive a vehicle submersion is to escape through the windows before the car is fully submerged, experts agree.

If your car is partially or fully submerged in flood water and you don't have the right type of car insurance, you could be stuck with costly repair bills or worse, a total loss of the vehicle.

The pressure from the water against the windows and doors can make it difficult to open them even if the car's electronics still work.

Vehicle occupants should not call 911, wait for the car to fill up with water or do anything else that would delay them from getting to safety as quickly as they can.

If your car is in the water, escape immediately.

If you don't know how to break the windows, passengers will need to do so to escape the car.

A car's electronics can be damaged by water, including electronic damage, which can be complicated and expensive to repair.

Depending on where the high-water mark is on a vehicle, will determine the likely cost of repairs.

If the car was completely submerged, the insurance adjuster would probably total the vehicle if it would cost more to repair than the vehicle is worth.

If your car is partially or fully submerged in flood water, comprehensive auto insurance will pay for flood damage repairs or will pay you the value of the vehicle if it's totaled.

When a vehicle is more fully submerged, the pressure from the water against the windows and doors can make it difficult to open them even if the car's electronics still work.