<prompt> Human: Im in Houston having a Harvey Hurricane party mostly just glued to the news with my family. Ive been pretty lucky so far but theres a lot more rain to come over a few more days. A lot of people have not been so fortunate. Its getting really bad.Anyways, lets say their car is flooded while sitting in their driveway. What can you expect from the insurance company? How do you deal with the insurance company? How do you get a newused car to replace your flooded car without getting screwed over by some post-flood shyster?  <response>: Generally if the floors get wet the car is totaled.And let me be very clear, once the car gets wet you DO NOT want to fix it under ANY circumstances. Properly fixing a flood damaged car is an enormous undertaking.Your insurance company will total it. To make sure youre getting replacement value look online and see what cars comparable to yours are selling for Make, model, mileage, year, equipment. This is crucial if your car has a lot of equipment IE If you have an RX350 F-Sport with Navigation dont compare it to values of a base RX.Buy a replacement car from a reputable seller and do your due diligence. Flood damaged cars from this storm wont be hitting the market for a couple of months yet. 