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On my prev stock '01 330i, I got caught in a deep puddle (6-8 inch) in my neighborhood while it was still dark (so I couldn't see how deep it was), due to heavy rain the night before (drains blocked) - while taking my kids to school.
Car stalled out, and couldn't restart - eventually towed to dealer who ended up flushing the engine and oil (a couple of times)- and said it was good that I hadn't tried to turn the engine over as it would have done-in the cylinders (water doesn't compress). Found out from a local BMW owner (that did that same as me), that I could claim from my Insurance Co - they paid up the cost to "clean" out the engine - just had to dry out the headlights.
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