There are several reasons why water might get into your engine oil:
* Head gasket failure: This is the most common cause. A blown head gasket allows coolant (which is mostly water) to leak into the engine's cylinders and then mix with the oil.
* Cracked engine block or cylinder head: Similar to a head gasket failure, cracks in these components allow coolant to enter the oil.
* Condensate: In cold climates, condensation can form inside the crankcase, particularly if the engine doesn't reach operating temperature often or for long enough. While a small amount is normal, a significant amount can create a milky appearance. This is less likely to create a truly *creamy* consistency though.
* Leaking oil cooler: If your engine has an oil cooler, a leak in it can allow coolant to mix with the oil.
* Improper maintenance: While less frequent, using the wrong type of oil, or extremely infrequent oil changes allowing water ingress.
If you notice creamy white oil, it's crucial to not drive the vehicle. Continuing to drive with contaminated oil can cause serious engine damage, potentially leading to a catastrophic failure. You should have a mechanic diagnose the problem immediately to determine the source of the water and prevent further damage.