THAT'S a total loss? Shoot... I can't even tell you how many times my truck as been sunk over the hood, over the tops of the doors... Haul it out, drain it, dry it out for a couple days, grease it up, and be on your way....
If the engine is running and water gets into the cylinders, you get instant scrap metal. The water stops the engine so quickly it bends connecting rods and can twist the crankshaft. $5000 truck, $6000 repair bill.