Water inside is okay, he can always tell people he was running deep in the stream, that will impress the offroad people. The smell is okay too, just start smoking inside the Hummer after he gets it back 3-4 months later. "What's that smell?" "What smell? I don't smell anything!" The ricer shops sell many types of cheap perfume which should confuse the senses.
I don't see $20K repair, even at $20K, insurance company is not going to total it. Insurance company will count is as $20K repair, jack up the premium rate to cover $20K, but actually pay $5K-$10K in their substandard shop with substandard parts if available.
At least Argo is okay, he said he is rich, any problem can be fixed with money is not a problem.
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