getting stuck trying to drive through high water. AND the vehicles parked in parking lots that flooded that got us thinking. What happens if your automobile is damaged by water from storms? We asked Stan McCamon of McHamon-Hunt Insurance Agency HOW they determine if a car is fixed or totaled. McCamon says it all depends on how much the vehicle is worth and the cost to fix it. STAN MCCAMON/MCCAMO N-HUNT INSURANCE AGENCY: “IF YOUR VEHICLE HAS $10,000 WORTH OF DAMAGES DUE TO THE FLOODING AND IT’S WORTH $8500 THEY’RE GONNA TOTAL IT OUT AND GIVE YOU $8500.” McCamon says you have to have a “comprehensive” or “other than collision” auto insurance policy in order to be covered for damages caused by the storm.