Usually.. when you suck up water.. you hydrolock the engine. You can't compress water, so.. if you get more water in the combustion chamber than the physical CC size of the chamber, the piston will bind up. This means rods bent, cranks break, head gasket blows.. all sorts of sh*t can happen.
Travis

 

Wow I didn't see anything leaking I guess I hope its just hydrolocked Thanks Travis

 

you aught to put the stock intake back on before it goes to the dealership and dump some water into your paper filter. hopefully they won't question it. Though I guess if insurance covers it, it shouldn't really matter.

how deep was this flood?

 

you aught to put the stock intake back on before it goes to the dealership and dump some water into your paper filter. hopefully they won't question it...

HAHAHA HMMM No

Besides he said they already towed it.

 

you aught to put the stock intake back on before it goes to the dealership and dump some water into your paper filter. hopefully they won't question it. Though I guess if insurance covers it, it shouldn't really matter.

how deep was this flood?

Oh my. That is yet another reason everyones insurance rates are through the roof. The law of large numbers---many pay for the loss of a few. That theory is shifting to "manyfor the loss of many. After a while, the insurance companies have no choice but to raise rates. They deserve to make a profit too.

Curt B. Shumaker

 

eek. I wouldn't wanna be in your shoes when the ins. bill comes...


I suggest you just leave the lower part of the intake off, put the filter on the MAF adapter.

 

Oh my. That is yet another reason everyones insurance rates are through the roof. The law of large numbers---many pay for the loss of a few. That theory is shifting to "manyfor the loss of many. After a while, the insurance companies have no choice but to raise rates. They deserve to make a profit too.

Curt B. Shumaker

How much profits? Notice that insurance rates stay fixed when interest rates are up? That's because they are making their profits and don't need to raise rates on their clients and you can't do that without a huge surplus of cash. Our govt just froze car insurance up here because it was getting out of hand. They make enough IMO. You pay for insurance then hope you never have to use it because they will get their money back from you in time.

 

TRUST ME, the insurance company never looses any money. Just go ahead and add up your premiums over 10 years. They could buy you 2 or 3 new cars. Not to mention that they really never cover anything fully because you have a DEDUCTABLE! What a scam. Sorry, a little venting about Insurance companies....

 

That's a common missconception----one that is clearly wrong. Insurance companies invest a portion of your premiums in the "market" to pay for future claims that are certain to occur; called reserving. That portion of their business is affected by the fluctuations in the market. The other portion of their business involves sound underwriting decisions and the assumption of risk for a premium. People get worked up about it because insurance is an intangible item that most people don't understand. They look at insurance companies like a bank. They figure they pay in thousands of dollars over the years and thus deserve something in return when they need it. That's a form of reserving and is certainly an option to the consumer to cover their risk. They can pool their own money in a bank to cover future risk exposures. However, comparing insurance companies to banks is not a legitimate comparison at all.

Another area that you fail to realize is that the industry wide combined ratio (underwriting and expenses combined) is around 106-107%. That means that for every dollar a company takes in, the company loses 6-7 pennies. Seems like very little, right? How many industries do you know of that can continue to lose money like that and stay in business? That fact is, if a company has $18billion in writings, suddenly $.06-$.07 becomes a big deal! Insurance companies have been able to surrive on the sound investments they have made in recent years in order to keep them out of the red---i.e. gain back those $.06-$.07 pennies the lose on every dollar.

In terms of using it? Well, until the industry is able to turn a profit of even $.01 on every dollar, I wouldn't use it unless you have a large claim. Keep in mind that some policies afford you up to several million dollars of liability coverage if you cream someone. Yet we complain about the premium? I always introduce people to claims that I have seen where the entire policy limit was exhausted and it STILL wasn't enough. Sunddenly their BMW, $200k house, etc. is liquidated to cover a courts decision. Think it can't happen? It does. As a result of the current market, I'd carry high deductibles since you can't use the coverage for small claims anyway. You might as well save money. Keep in mind that when I say you *can't* use it, I really mean that it's not a good business decision to use it on smaller claims---defined as $3,000 and under, for example.

The perception that insurance companies are greedy and making tons of money is flat out false. Again, the industry average is 106%. Until that comes below 100%, companies are loosing money. You can't blame them for wanting to make money, either. Afterall, just because they sell an intangible product, they are still assuming your risk. I just wish more of the general public understood how insurance really worked. We can thank companies who sell over the internet and don't explain to their customer what they are buying.


Oh yea, I work for an ins. company
Curt B. Shumaker

 

i like this discussion so i hope that this is still on-topic, i'd like more people to comment...

Hurry up and get out of the Insance Business before your company goes broke! That wouldn't be good "marketing" though would it. Insurance companies take a loss? i doubt it, seriously. No company besides the government would be able to stay in buisiness for decades if there were truely "losses" annually. i believe that about as much as car dealers selling cars "below invoice". To be honest, i could care less if they do and go out of business. If they are investing money poorly and loosing then i trust them even less handling my Life or Health insurance. The "sound underwriting decisions" are not there to help people in thier time of need, they are there to NOT PAY THEM. i really have no simpathy for big companies at all. Brankrupt? Cry me a river. Every person i've EVER known who has ever had to make any type of insurance claim has been (or was nearly) royally B.F.ed by thier carrier, no matter how good of a customer or how honest. Medical claims, Life Insurance Claims, Automotive Claims and thousands others are denied every day ruining the lives of those customers forever.

On top of all of this the State Government mandates that we carry auto insurance (even though i probably would anyway) allowing the Insurance Companies to set thier rates as high as they want because we have no choice but to buy it.

Use the policy only for Large claims? Yeah, i don't think that's helpful to anyone i know. Lemme just pull $3000 out of my pocket to fix my mint 240Z (i dont really have one) that someone vandalized to save the insurance company money. Golly, i'll just smile and pay my premium and never make a claim! In my opinion that is as dishonest as saying your windshield got cracked because "a pheasant hit it".

Go ahead and ask some people in the hospital how they feel about thier insurance companies, i think you'll find they are less kind then i am.

 

If the Insurance industry is losing money, why is Warren Buffett so heavily in the re-insurance market? He's not one to invest his money into a losing business. Your analysis of the insurance company has a spin that doesn't fully look at the insurance company. You’re doing a disservice to the individuals that view your statistics as being the entire picture of the insurance industry.

 

you aught to put the stock intake back on before it goes to the dealership and dump some water into your paper filter. hopefully they won't question it.

and what good will this do? Regardless of what intake he has on there, I'm pretty sure his warranty wouldn't cover damage sustained by driving into a flood.....

 

....... a spin.....

You been watching a little to much FOX news

 

If the Insurance industry is losing money, why is Warren Buffett so heavily in the re-insurance market? He's not one to invest his money into a losing business. Your analysis of the insurance company has a spin that doesn't fully look at the insurance company. You’re doing a disservice to the individuals that view your statistics as being the entire picture of the insurance industry.

Ok. Your turn then. Explain to me what I am missing...
Curt B. Shumaker

 

i like this discussion so i hope that this is still on-topic, i'd like more people to comment...

Hurry up and get out of the Insance Business before your company goes broke! That wouldn't be good "marketing" though would it. Insurance companies take a loss? i doubt it, seriously. No company besides the government would be able to stay in buisiness for decades if there were truely "losses" annually. i believe that about as much as car dealers selling cars "below invoice". To be honest, i could care less if they do and go out of business. If they are investing money poorly and loosing then i trust them even less handling my Life or Health insurance. The "sound underwriting decisions" are not there to help people in thier time of need, they are there to NOT PAY THEM. i really have no simpathy for big companies at all. Brankrupt? Cry me a river. Every person i've EVER known who has ever had to make any type of insurance claim has been (or was nearly) royally B.F.ed by thier carrier, no matter how good of a customer or how honest. Medical claims, Life Insurance Claims, Automotive Claims and thousands others are denied every day ruining the lives of those customers forever.

On top of all of this the State Government mandates that we carry auto insurance (even though i probably would anyway) allowing the Insurance Companies to set thier rates as high as they want because we have no choice but to buy it.

Use the policy only for Large claims? Yeah, i don't think that's helpful to anyone i know. Lemme just pull $3000 out of my pocket to fix my mint 240Z (i dont really have one) that someone vandalized to save the insurance company money. Golly, i'll just smile and pay my premium and never make a claim! In my opinion that is as dishonest as saying your windshield got cracked because "a pheasant hit it".

Go ahead and ask some people in the hospital how they feel about thier insurance companies, i think you'll find they are less kind then i am.

You are clearly speaking of generalities and have no facts to back your opinions. I don't care to argue with opinions. It's a plain and simple fact that the insurance industry is around a 106% and that they continue to lose money in their core business---underwriting. Read carefully, you will see that I mentioned the investment sector is the only thing keeping them in the green. It's further a fact that many of your generalities are completely inaccurate----insurance companys don't set rates on their own. The state and goverment must approve them. That's one of many assumptions you (and most of the public) have made in error. The fact that people are screwed is often the fact that they don't have a good carrier who is honest, or they don't have someone to clearly explain the limits of coverage they have. Take your emotion out of your statements and approach the situation with facts.

I will be happy to continue the discussion with facts. Check your opinions at the door though, please.

Thanks,
Curt B. Shumaker

 

woooah

Ok. This got off topic in a BIG hurry. I'd be happy to help those of you who are interested understand more about the insurance industry. I am not an expert, however, I am qualified to speak on the topic. What I am not going to do is go back and forth with some of you in another persons thread about your opinions of the industry. I agree that most of what's out there is bad. The actions of a few created a bad impression of the insurance industry. If you truly are interested, email me. If not, just let it go and let this thread run it's course.


Sorry for invading...

Curt B. Shumaker

 

back to the engine topic.... you'll pay 500 to insurance because i don't believe nissan covers "water in the engine".... and be ready to take a hit on the premiums.

i've been lucky with car repairs (crashed it once and got the door ****ed up by some lady in a van backing into me), paid cash both times so my insurance premiums wouldn't be exorbitant for the next 5 years. I guess i'm lucky, my parents are exceedingly generous when it comes to "the future" so they shelled out close to 4,000 to fix the entire front end of my car and then another 300 to fix the door.... or maybe they just don't care. I can't tell.

 

-Stupid question... Ok if a puddle or a deep flood is unavoidable while driving what is the proper way to make it through? I've heard it is to never let off the gas (not speed though) because then water will get sucked in... anyone else?

 

If your foot is on the gas, it will suck in a lot of water. At idle, it wouldn't be as bad. I guess if I had to go through a puddle, I would take a quarter and loosen one of the hose clamps holding the intake together, and disconnect the bottom tube. Then drive through the puddle and put it back together.

On the other topic, insurance rates are high, because people don't use insurance for what its really for. It's supposed to insure against catastrophic loss of a valuable asset. Now every swinging deeck puts in a claim for every little scratch and ding on their car. Same with health insurance. The only thing that irritates me is listening to people suggest solutions that have failed in Socialist economies. Gov't fixes NOTHING!!!!

Now, lets go way back to the suggestion of putting the stock intake back on, and then sending it into the insurance company. This is known as insurance fraud. Let's hear what the guy at the insurance company has to say about that!

 

TRUST ME, the insurance company never looses any money. Just go ahead and add up your premiums over 10 years. They could buy you 2 or 3 new cars. Not to mention that they really never cover anything fully because you have a DEDUCTABLE! What a scam. Sorry, a little venting about Insurance companies....

HEH... My insurance was roughly 175 a month from when I was 16-21... so figure, about 10 thousand dollars I paid them.
I totalled my 2002 SpecV with 4000 miles on it, they paid out about 18k for the total.

Score 1 for me

Then they dropped me, and I had to go insurance shopping, 475 a month was the cheapest I could find.

Score 8e9748923642873642378648723546352423 for them..

 

HEH... My insurance was roughly 175 a month from when I was 16-21... so figure, about 10 thousand dollars I paid them.
I totalled my 2002 SpecV with 4000 miles on it, they paid out about 18k for the total.

Score 1 for me

Then they dropped me, and I had to go insurance shopping, 475 a month was the cheapest I could find.

Score 8e9748923642873642378648723546352423 for them..

WOW! Was it your fault?

 

Had to have been his fault, or no fault depending on where it happened. If it was someone elses fault their insurance would have paid for the damages unless that person had no insurance at which point I dont believe your premiums go up for filing under uninsured/underinsured section of your insurance.. unless you dont have it..

Screw it.. it was probably his fault.

 

Insurance company sux

I guess I should put in my "opinion" as well.

We studied several large insurance companies (due to legal issues I shouldn't name any of them here) a few months back in my MBA program. We did a thorough study in the financial statements of these large insurance companies. And found out that (our accounting professor is one of the top notch CA in the world, he used to work as one of the forensic accountant for the States government, again to protect him I cannot name him publicly)

We have found that these insurance companies are actually making money in the "insurance" side. It's their investment department where they're losing money (due to the recent market performance and suck). But please keep in mind that overall the insurance companies are still making money, they are just not making as much as befroe. So basically they made some poor investment decision using our money, and then they ended up charging the customers more money to make up for that "loss revenue"??. So to be honest all the auto insurance company can just put their fist up thier axx and fxxk themselves out.

 

I'll stop your fighting right now and tell you were your insurance money really goes to....THOSE PHUKEN FRAUDULENT CLAIMS AND RIP OFF WARRANTY REAPAIR PLACES!

i almost smaked the sht out of this beaach that just wouldn't understand for the life of her what she did wrong when she pretended to have "neck pains" to make some "easy money", my fudgin money as far as I'm concerned, after getting hit in the rear bumper. I know 3 more people who followed this procedure and at least two doctors who split the profit with the "patient" from fraudulent claims.

My dad got hit in the rear bumper so he took his car to 2 body shops each a block from each other. In both places first they asked was whether or not this damage will be covered by insurance, to first place he said that he will personally be paying for the damages and to second he said that the repairs will be covered by insurance. I'll not suprize anyone here that the first shop quoted him at $1300 while the second place wanted almost $1900 (at the same hourly charges, they just put 50% more time needed for repair). When my dad pointed this fact out to the second place they said "What do you care? your insurance is paing for this anyway"!

And oh yea on a complete off beat note does anyone know why car companies want $400 a rim?????

 

Anton, they charge so much for the wheel because they can. OEM baby, that's the name of the game. OT, but I wonder what an entire b15 in individual parts would cost.

Insurance companies should't get special treatment because of suffering investments, I sure don't get any regulatory concessions or cost adjustments for my losses in the market.

On the one hand, sure part of the reason for the high cost of insurance in the prevalence of false claims, so we have to pay not only for that but for the part of the industry responsible for investigating claims and disputing them (lots of court costs). I know many auto-glass shops in particular literally steal from insurance companies, they make so much by overpricing repairs that they often are able to offer the customer hundreds of dollars back (at the insurance's expense) as a bribe to choose their shop.

on the other hand, they're still making profit, I would need some really difinitive (and suprising) evidence in my hands to believe otherwise. if you're feeling sorry for coorporate business' losses you need to get an idea of the losses of a working person in poverty to bring this into perspective. Right now everyone is feeling the effects of the economy.....weather it's their porfolio value, or unemployment. good thing Bush is still trying giving billions in tax cuts to huge corporations like Bank of America, Pfizer, etc. (with measures like the Thomas Bill). This will probably spark a huge debate on politics though and that's not my point.

think about this:

Who ever said corporations should be garanteed profit?

If your insurance company has the chance to take a shortcut on a claim, or rip you off somehow with complete immunity - do you think they'll do it?

It all comes down to your values personally, and thats not something that can be disputed with any success.

Personally I feel responsible to do whatever I can to "stick it to the man". In terms of my life as a whole, and of the "class" in which I locate myself, I feel entitled to collect on the debt that coorporate business ows us for its success, which has been achieved at our expense. Opposed to this though are the old capitalist, economic liberalist ideals that what profits you can reap in this game are yours to keep, and that you owe that to noone (except a little piece for uncle sam). Idunno I'm totally rambing off topic but I'm going to post this anyway, even though I'll get flamed for it (which is kind of amusing usually anyway).