Hog Hunting Near Misses...let's hear them...

Had an incident with a wheeler and riding double. We were coming back through the same ditch we had went through a few hrs earlier, but didnt cross in the exact same spot. Instead of me getting off, which i started to but the driver said no need, i stayed on. He proceeded into the ditch, which wasnt real deep (bout 3' deep and 3' across) but deeper than we thought. He accelerates going in and as we hit the other bank, the wheeler flips on its back with both of us pinned under it and under water. Luckily 3 other guys were on the other side waiting for us and it wasnt but a few sec under water (cold ass water on top of that) and the wheeler was off us and being drug on to the bank. The driver and i jumped out of the water and climbed out.
I guess the moral to this is, go with your first instinct when u think some bad may go wrong, and any time crossing a water source of unknown depth and riding double, the pax should get off and let the driver go at it alone. In our circcumstance, if nobody eles would hav been there, we might have drowned, but if i would have gotten off, the wheeler wouldnt have had a severe aft cg and the driver could have possibly made it and i wade across, or if the same thing still happened, i could have use the bank to get the extra leverage the orhef guys had and possibly got the wheeler off the other guy.