The total amount of the repairs needed to be done if your car is submerged in Ondoy flood varies from 50k to 100K. The chance that an insurance company will declare a total lost on your vehicle is very small.
A total lost will only be declared if the damage or the repair needed for a vehicle is 75% of its current value. So if your car's worth is 500K in Phil Peso and it will only need 100K for repair and for it to be back in pre flood condition, the insurance company will not declare a total lost on it.
As of date, there no report yet if an insurance company already declare a total lost on any of the cars that has been submerged in Ondoy water