On October 18th around 7.30am; I was travelling from Bangaru Ammal Kovil Street(Mylapore) to Chengalpet. When i was about to enter Thiru Vi Ka High Road through P S Sivaswamy Salai, the road had water just below the car door level. When I was about to make the right turn to join Thiru Vi Ka Road, the car seem to stop while in running. I was in 1st gear with almost red line rev but I was not able to go fast as there was a car and a PTC bus right in front of me. I had come out of the car and told my wife to take the wheel. When i opened the door, water did not enter the car cabin. I and a passer by pushed the car to Thiru Vi Ka Road till I reached Sanskrit College where water was not stagnant; then I attempted to start the car. I saw smoke coming from the bonnet and the yellow light was on. I called up RDC Mechanics who diagnosed Water had entered into the silencer and the Start Motor was not working. The RDC Technicians tried to push start the car from Sanskrit College to Mundakani Amman Kovil Railway Station after which it was decided to take the car to RDC using a Tow Vehicle On 29th RDC Technician Santharaj sent me the copy of the Quote that was submitted to Future General Insurance. The Vehicle is covered by a Bumper to Bumper Insurance The repair cost is mentioned 151250. Refer the snapshot of this. Fiat has mentioned, Rain water is not covered in Warranty. Till now Fiat has replaced my Start Motor that is not working and has tried to turn on the engine using a difference Start Motor. It failed to start. RDC Fiat now negotiating with Future General who mentioned today 30.10.2014 that they will cover only the Air Filter Replacement that will cost Rs 1000 ODD. As this is unacceptable, RDC Fiat is in process of negotiating this with Future General.