The chief state medical examiner ruled today the death of an 88-year-old man, whose body was found Saturday floating at the Saugatuck Yacht Club in Westport after his car plunged into the water, was an accidental drowning.

The final report, however, on the death of Richard A. Terry, of 44 Sachem Drive, North Haven, has not been completed.

He was found about 8:15 a.m. Saturday floating face down in the water between the docks of the club. His car apparently went off the end of Great Marsh Road, where police said Terry had an appointment that morning.

Based on the preliminary investigation, police said yesterday that foul play was not involved in the apparent accident.

The car was found submerged in about 15 feet of water 75 feet from shore, police said. The vehicle was later removed from the water by a heavy-duty wrecker.

Police had no more information on the incident immediately available.