I'm having the same problem right now with a 92' Honda Civic HB DX. I hit a puddle of water and my instrument panel fuse blew! I do now have wheel wells to protect my engine from splashing water. I pulled out all of my lights, but still couldn't find the source of the problem! All I found was a little moisture. It's a 10 A red fuse. I've gone through 8 10 A fuses already. I wasted two 15 A fuses cause they blew. Three 20 A fuses because they blew.... what should I do?