I am never again going to make fun of those people who pay to have someone drive their cars across the Bay Bridge — hey, I might even join their ranks! — after hearing about what happened to 22-year-old Morgan Lake.

At around 8:30 pm on Friday, Lake’s 2007 Chrysler Sebring was rear-ended (nightmare scenario #1) by a tractor-trailer (nightmare scenario #2) sending her car plummeting off the side of the Bay Bridge into the Chesapeake (nightmare scenario #4), leaving her trapped in a rapidly sinking vehicle (nightmare scenario #5).

“I got one good scream in, and then my mouth filled up with water. The car was sinking faster than I expected,” Lake told the local CBS affiliate. “I hit my seat belt, at this moment my eyes are closed, so I had to visualize what my car looked like…I got out of the window, pushed off of my car and swam up to the surface of the water.”

Lake swam to some nearby rocks and rescuers pulled her to safety.