Approaching creeks or underpasses, have always been cautious. Anytime fording a rill, creek or river sans a bridge, don't do it if the water is high. Never cross a ford when the water is more than ankle high, and that assumes the floor of the car is much higher than ankle high. Never cross a creek or river that has a bridge if the water is high enough to cover the the roadbed.

If you approach a low spot on a road not associated with a creek or waterbed, stop and wade through the low spot to assess. Turn back if the depth of the low spot is not lower than the front axle on your car, or if there is any current. Also turn back if you are not willing to wade in to access. Never assume.

Sad voice of experience speaking.