The Office of Insurance Commission has set five flood-damage levels for combustion-engine vehicles, based on how high water reached (floor carpet: 8,000-10,000 baht; fully submerged: possible total loss). Do not start a flooded vehicle. Once safe, photograph the interior and exterior with water marks, then notify your insurer with policy details, registration number and location. Type 1 motor insurance covers flood; Type 2+ and 3+ holders should check for flood add-ons. Insurers must pay clear claims within seven days. OIC hotline 1186 runs 24 hours through Oct 5. For EVs, battery damage must also be assessed. Owners of commercial vehicles and delivery vans should act on this now.