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Okay, I did the SAME thing last year in my 325i. Your motor is "water locked" and that means the car is totaled.
You MUST tell your insurance company that it was a flash flood and that you didn't drive through the water... Your rate will not get killed and you will get $ for your car.
Take your car to BMW dealer you trust and demand that he get top dollar out of the insurance adjuster. (I got more than mine was worth).
Good luck...
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