Wow that would make a cheap van for someone, Sometimes i don't understand insurance company's, Surely it would have been cheaper to bung a new engine in rather than pay out for a new van. The mind boggles.
As for it being Coyles fault, I agree with Dave and having been in nearly the same situation back in Feb with stock induction it could just happened the same with coyles motor. Hindsight is a wonderful thing but doesn't help his present situation and to make certain points about his car just rubs salt into the wound.
As you know i have Messed with the induction on my car and if ever i drive through flood water i will be doubly careful but as Dave said could just well happen with stock air system as modded ones.