She is somehow pushed, falling completely under water

Right after she had put her arms in the air to stretch, Isabel could hear some college boys behind her throwing a football around. She didn't immediately give it any attention, but the attention was soon to be **** on her.

"Go deep!" one of the boys told another.

And deep he went. Suddenly Isabel felt something bump hard into her, and she was knocked forward and straight into the water headfirst. She tumbled around in the water and felt material give away on her upper body when she was sent hard into the water.

She must've moved quite fast forward, because when she got up from the water, it was covering her all the way up to her neck. A few seconds ago, this would've been a bad thing. Now suddenly, it was a temporarily great thing.

"Oh shit..." Isabel said once quietly. "Ohhhh shit........" she said again.

She had ran one arm on her thighs first, and noticed that her bottoms had been pulled down to her calves. No one could see her, so all she had to do was pull them back up. It was when she ran her hands on her upper body that her scary realization had started to become clear.

The already weakened t-shirt's material had obviously ripped to pieces when she hit the water. All she had left was some material from the collar around her neck.

"I'm sorry!" she suddenly heard behind her. The guy who had bumped into her was approaching. Isabel turned around to face him.

"Hey it's ok!" she desperately said to him, not wanting him to come any closer.

"Are you sure? I hit you pretty hard there..." he said, taking a few more steps closer to her, but still not recognizing her state of undress.

"Yes!! I promise!!" Isabel laughed nervously, just hoping he would turn and go away. "Please just leave me alone..."

The guy looked disappointed. "Oh... Alright. Let me know if you need anything..." he said as he turned around and walked back up on the beach.

Isabel quickly pulled up her bikini bottoms and again ran her hands over her breasts to confirm that what she had felt earlier was real.

"Ohhh my words... My nipples are in fact bared..." she quiet confirmed to herself as she put one hand over each bared breast. She had no clue what to do next...