mˈoʊɾɚɹˌɪsts ɑːɹ ˈoʊnli lˈaɪəbəl ɪf wˈɔːɾɚɹ ɔːlɹˌɛdi kˈʌvɚz ðə ɹˈoʊd, bˈæɹɪɹz ɑːɹ ɪn plˈeɪs bˌʌt bˈaɪpæst, ænd pˈiːpəl ɑːɹ ɹˈɛskjuːd fɹʌm ɐ vˈiəkəl.
Motorists are only liable if water already covers the road, barriers are in place but bypassed, and people are rescued from a vehicle.