OK, so I was rock for a project near the local river, is landscaping. It was a small road across a creek that I crossed without problems. On the way back, but I went to another place, that (my fault) was a little further. Water splashed on my bonnet and through my window I moisten with water. My car (Nissan Xterra 2000, the stock) will continue after that date, as I approached the other side of the creek. But before I fully able to exit the “depth” of the article came (not quite at the bottom of my door, but especially my exhaust pipe) my car to a halt. It was a little bit of pressure now my car and I was able to drag me feel a little bit, but it did not start floating downstream. I panicked a bit at this point and tried to start my car, traveling, but not out. I know now that was a mistake, but then I was a little pinball. to revive after a few minutes effort and too restless to move my car, I was happy to get some guys to rescue me with the ATV that have taken my car without the creek.
Now seemed the air inlet for the Xterra to a closed manifold (I do not know much about cars), but I open to check that the filter was wet. I have not seen a puddle, so I guess it was not in danger to draw air into the engine at this point. I connected the engine and drove on! I was very happy. There was no noticeable noise from the engine and it seems to work very well. I drove straight home and not where I removed the air to dry. I checked the oil, which was a very healthy brown (no milk, characteristic of the pollution of waters).
I let the car sit with open windows and air filter for two days to be free, “to dry”.
After this time I took a test drive, which was at first no sign of water damage. The oil still looked good, my coolant brake fluid, and steering were all appropriate measures, and the engine was no noise or anything that indicated there was a problem at all. No vibrations or clicking, nothing. About 10 miles down the road is where the real evidence of damage to high water head is dirty. I feel my Little Rock explosion in the engine compartment. A huge cloud of smoke behind me I will about 45 miles per hour. My engine died without warning, that I lost my steering and brakes. I managed to pull out of the way with some effort and do a shutdown. There is smoke coming from my hood. I open the hood, because I think it is the fire, but he soon began to quit smoking. There is oil everywhere, all over my engine compartment through the floor splashed all. My morbid curiosity gets the better of me and after checking the oil (it was good) and start a few minutes, I try.
It starts, looks but what the hell.
I have it towed to the auto shop, discovered a hole in the side of my engine, where a curved rod by a piece of my block was flying with him. Now keep in mind that my consumption has been dry at that time (I do not know whether that means Jack shit) for the tribe must be bent while it sucks the water (was my speculation) in the Hole Creek. The quote is $ 6,200.
Now I’m not that much money I was in school, and I did not even pay that much to have my truck (a contract about smoking him in 2007 for $ 5.500 dollars, his great form) and the blue books for $ 7200 now in 2010. So yes, the expert comes and says that it is almost a total loss, but they need to study “it. I had no vehicle then tried for a week and my insurance company to find a way to sneak in without paying for it (I do not blame them) because I once broke conducted.
My point is that I do not know it was water damage at once, because it started after I had the right exhaust pipe of the water, and behaved perfectly (no noise, vibration and shock, etc. BTW Im not a mechanic and I have even heard Hydrolock had’nt previously) until the stem is out of the block. The water damage happened while he was bent in the water (my theory) and the staff at that time that I did not know until it was the left side of my block.
However, it is my position and speculation. Now the question!
Do you think I should be covered? By the way, I have the cover, and were (to remain anonymous) insurance for four years without incident.
I handled claims where it is needed to determine whether the cause was an accident or act of vandalism or simple mechanical failure. It really take time. Sometimes it can engine fluids for examination and analysis of engine components are sent demolished some time and participate and must be well documented. The insurance company must be sure to find out, because if they pay the claim in a hurry and then you have to do it, they have no refuge. I know it stinks, not in a vehicle, but I hope you remember all the trouble next time you check with your vehicle, which can not do.
The way insurance works is that they make absolutely sure that everything is in order before we have to pay all. Normally this is a very quick process. In cases like yours, it is often frustratingly slow. Be patient and good luck.