Today was the first 50 degree day of the year and I decided to wash my car. As I was leaning over the bucket of hot water, PLOP, in goes my cell phone. Oh ***t!, I grab it as fast as possible but its already too late. If it doesen't dry out and work then i'm out $250. WOW am I a MORON!

Nope, use air, rip the cell apart, and buy one of those 10dollar cans of compressed air and dry it out that way. (dont ask how I know )

Silly thing to have happen...they need to invent waterproof cell phones like they have waterproof camera

you can go to your insurance company and buy a personal articles floater and it will cost you about $30 with a zero deductible to cover your phone against anything. If your company doesn't offer that policy State Farm does.

ive dropped mine in the crapper more than once...

Very good advice. It'* not the water that is the problem, it'* the electrical current flowing through the water that'* the problem. Leave the thing OFF and let it dry. If you can disassemble the phone, good. If not, place in a warm and dry place for a couple of days. I do this for a living and have seen my fair share of liquid damaged phones. Some customers are very lucky to have their phones still work after such a bath.

Sorry to hear that. I once forgot my cell in my pocket
and wash it with my clothes. Had to replace it.
I wanted to kick my own