I have had mine in mud above the tires, almost above the cladding, no problems, just clean it out afterwards right away. Then check all your fluids and whatnot. I would definitely agree that its at your own risk, and to be careful about bearings and stuff. As a disclaimer, mine is not a required daily driver, so I am willing to risk a little more and I never go out alone, only with at least one other vehicle and mostly within 20 miles from home.