My car has done this before, not a total loss but the car did stale out after hesitating and sputtering for a quartermile.. I hit two huge water spots in the road(would have avoided them but another car was coming and I was on a back road) anyways my CAI is fender mounted as I'm sure yours is too.. and that's easy access for puddles of water to get up in there, especially if your going at a good rate of speed.. I was already pulling into work when it died, I tried starting it back but it wouldn't turn over, next break I had it fired right up. Next day I went and replaced the filter and it was as good as new.. You must have got a TON of water in there for it to be a total loss that sucks man.. Even with full coverage they aren't writing you a check for your loss??
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