shawn kraft

Ok, went thru too deep water in my 2012 a6 and I filled my engine with water.
Insurance is trying to find a used motor instead of rebuilding mine.
I have 40k on my car but I'm hesitant about letting them just find one In a salvage yard.
Any thoughts?
Shawn

raj99

rebuilding a hydro-locked engine is a PITA, I'm not aware of any insurer that will even entertain rebuilding something in that state...a salvage yard motor is usually ok, since many times they are rebuilt and also end up having a warranty on them (i.e. 12 month/12K miles).

jasonlitka

... How deep was that water?

forza1976

Yeah, I second that... How deep of water did you drive through?

shawn kraft

The water was only about 10 inches, I guess the water just shot up straight into the intake.
They cannot find a used motor so the bill is about 25k for a long block r&r.
The adjuster said they might look at totaling it which makes no sence to me.

Alphatero

When an insurance adjustor suggests totaling, as opposed to questionable repairs that will never get the value of the car to where it should be, I would throw my arms around him and hug him!

shawn kraft

The problem is, I still owe about 45k on the car and it's worth 40k. The adjuster hinted around that he thinks it's only worth 30k.
I think I would rather have a brand new motor straight from audi than go thru the fight with State Farm.
Even if they wrote me a check for 40k, I still would owe 5k and have to go buy a new car and pay taxes and all that jazz.
This is my reasoning so far, but it's all very confusing and worrisome.

James517

It would seem that 10 inches of water is not that astoundingly rare. I would include Audi in a discussion to see if they would be open to covering part of the repair.

Richard Solomon

Wow, very sorry to hear of your plight! I must say though, that you should win an Audiworld award for the most classic and thorough definition of being "underwater" on your loan!!!!!

Comfy

Sorry to hear about your situation. How fast you were traveling through the water? Just wading through or going at high speeds...?
As the other poster recommended, you may involve Audi USA in your discussion as well.
I don't understand when you say you owe $45K and its worth $40K. Why the 5K disparity? Did you do 5K worth of mods on your own....?
Even if the insurer decides to repair the car, many times it may not be worth even their value of 30K afterwards, so you have to ask for a check for diminished value as well. Sometimes that could be a pain. I would suggest totaling it.
Did you also mean you have covered 40K miles on it...?