Sorry for your loss. But I don't get this on a couple of levels. First of all, I could understand taking the risk of not having collision insurance, but to have liability insurance only on a car worth more than $15k does not make sense. Comprehensive coverage (or 'comp') is not that expensive. That's the part of your auto insurance that covers fire, theft, flood damage, vandalism, etc.

Second, we had plenty of warning for this hurricane. Why didn't you take your X5 and bike to higher ground??? There's not much you can do if a tree falls on your car, but to park a car in a flood prone area does not make sense to me; especially an uninsured car.

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2014 BMW 328i Xdrive
2011 BMW 335i M-Sport
2008 BMW X5 4.8i Sport
2000 BMW 528i 5sp