My Third Chance - McCloud's Cove, #4

When she was just two years old, Anna was rescued from a watery death in a backyard pool by a neighbor's son. Thirty years later, Anna is about to die again, as her car plunges headlong into a cold, dark lake. As the last minute of her life passes, Anna wonders how she could have wasted her second chance as she had. And as the water seeps into the car and chills her legs and creeps up to her chest, she knows that finally it is too late.