Xmas Ghost Tale

a young man on his way to see his girl will run into some dangerous trouble ahead. he will collide with an avalanch of snow. a wall fifty feet high will come crashing down on him and his vehicle. both will be forced into a freezing lake. his vehicle will crash through a few feet of ice before resting on the bottom of the lake. he will see something he's never seen nor believe existed in the water. a green scaly creature half merman and half alligator. ut will swim around the car until he succumbed to the freezing water. then it will break through for the meal.
once his girl came looking for him. both will be in a deadly fight with the creature. she will receive messages from him after he's dead. once she began to search the lake for his vehicle. she decided to swim into the lake after she sees it. that is when she came face to face with the creature and soon the man that she loves.