July 14, 2025 Car Damage in Flooded Road


Toyota Highlander Hybrid 2006 accident Report

Claim number 1006 32 6206 July 16, 2025.

I have had an excellent experience with AAA Auto Insurance. They review claims thoroughly and, once the requested documents are submitted, they reach a fair and mutual decision.


On the night of July 14th, while I was at 1810 West Front Street, Plainfield, New Jersey, my vehicle was exposed to significant flood conditions. The water level reached approximately 15 to 18 inches, up to my knees. Given the height of the water, it is highly likely that it entered the engine through multiple openings, including the air intake system.

It was a frightening experience. I was with my wife and grandson, and every time a vehicle passed by, the resulting wave pushed more water toward us, rising halfway up the car doors. Fearing for our safety, I maneuvered the vehicle into a nearby gas station. As I did so, water was rising rapidly from all directions. In the process, I hit a submerged curb. The sudden jolt caused physical shock, affecting my neck, lower back, and both hips, which have previously been replaced.

After the floodwaters receded, I attempted to start my car, but it failed to start. I then called an Uber to pick up my family and me from 1810 West Front Street, Plainfield, NJ. The following morning, I contacted AAA for towing service, and they towed my Toyota Highlander Hybrid to SnS Motor Sports located on Main Street in South Bound Brook, NJ.

As you know, when water enters a vehicle’s engine through the air intake, it can lead to hydrostatic lock. This happens when the pistons attempt to compress water, an incompressible fluid, causing serious internal damage such as bent connecting rods or a cracked engine block.

Flooding can also severely damage multiple vehicle systems. Water can:

Mix with engine oil and transmission fluid, reducing their effectiveness and causing internal wear;

Enter and damage the exhaust system, resulting in stalling and corrosion;

Short-circuit electrical systems, including sensors, control units, and wiring;

Compromise the air intake system, affecting the air filter and throttle body;

Affect the brakes and starter motor, leading to further safety concerns.


On July 16th, the insurance adjuster arrived and started the car. He moved it a few feet and claimed it was operational. However, I strongly believe that starting and moving the vehicle without inspecting and replacing the contaminated fluids, air filters, or other key systems may have caused further, compounding damage, particularly since moisture was already present in the engine, exhaust, and air intake systems.

I am requesting that this be formally noted and considered in connection with my claim. The full extent of the damage may not have been immediately visible, and operating the vehicle in this compromised state could have worsened its condition significantly.

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