Really bad if that is how you got the water in the engine, as I said some drivers are creating havoc, you make an excellent point that these 4x4 drivers think they are invincible being high up and driving with total disregard for their actions.
I hope for your sake that you are covered, but I have known others to have the same issue and the insurance companies would not pay out. If your car had been parked and then caught in a situation of flooding from rising water then you would be covered.
What is interesting is the amount of warnings in the press for people fixing up flood damaged cars and selling them without disclosing the fact!!!! bad world we live in !!!!
Always said I would go back to a 6 series