I have a 2007 Mini S that suffered engine damage from crossing a puddle. During a heavy rain I crossed a puddle of about four inches deep at low speed. The car stalled and was pushed out of the water. As I was stalled at least 50 other cars passed with no difficulty. I did not attempt to restart the car. The Mini dealer states the engine is a total loss and will cost 8078 to replace. Mini will not cover of course. I have read of other similar reports citing poor placement of the intake. Mini states this was previously a problem but was corrected in 2003. Seems to still be a problem. Any similar stories? 8078 for an engine?

 

Did you check with your insurance company to see if they would cover it?

 

Not yet. Still trying with mini as why post to see if this is still a problem.

 

Does $8078 for an engine seem excessive?

 

Ask for a breakdown estimate if you think it's too much (parts+labor). You can see exactly what they think they'll have to do and argue what you don't think needs to be replaced/done, etc. I'm sure a lot of it is labor, at a MINI dealer it'll be upwards of $100/hr.
But.. your insurance should cover it, and they may fight with your dealer/MINI over it. Best case they work it out, worst case you pay your deductible and still don't have to hassle with it.