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Most of us have been out doing some 4x4 fun. There is a limit in which you pass fun and become an idiot. When you pass that threshold and drive beyond common sense disaster is lurking behind every bush tree rut and large rock. The great part of being out wheeling is the thrill it brings to have fun. You push the lines of doable and pass on to beyond your own limits, then the limits of the vehicle, now you have bad things happen. A mans got to know his limitations. (dirty Harry).. You can have all the fun you can afford driving beyond your limits... I would stand behind Ford and say contact your insurance you drove it in to the lake, they can get you out. There not going to be to happy with you but come time to renew your insurance your premiums are going up... So you can pay now, or pay later, but eventually your going to pay...