My laptop can't handle being submerged in a puddle why would a car? It's batteries being submerged, the doors aren't waterproof. It's not a amphebian vehicle. If the puddles are deep enough to leak water into your car and your car has batteries you shouldn't drive through it. If you do and the batteries die, then you can't expect your warranty to cover you. Nothing prevents you from taking your laptop in the shower, but if you drop it and it dies, then you gotta pay for it. Seems reasonable enough.
It depends upon what they are calling a puddle. I've seen a ten foot span of road covered by nearly a foot of water (at it's deepest point). Going at speed in a car, it may not look like much. I have also seen photos of people trying to go through fairly significant chunks of flooded roads. If there are people willing to do that, there are probably even more people who would go through something they perceive as a puddle.