Damn, that is one ugggggly looking fish eyeballing the camera..... <img src="/images/graemlins/smile.gif" alt="" />
What we have here is essentially a ditching scenario. I think that anyone who drives around/over water on a regular basis should think very seriously about stowing a pony (escape) bottle and a mask under the seat. Practicing opening the door before you hit the water/go through the barriers might be worthwhile as well. And yes, your going to have to be bloody quick about assessing the situation and deciding that you cannot avoid the water.
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I don't do dumb & helpless.