All modern vehicles have data recorders that record data up to an impact. When you take the vehicle to Ford they should be able to retrieve the data of Throttle, Brake, Clutch and Gear positions for a period of 30 seconds prior to impact. That would tell the story of what happened.
Is that a first addition with lightning blue or is that an aftermaket paint job? Please give us some additional details. Are those factory fender flares painted?
Agree if you are skiing in the Tahoe area I have never had them check for chains. Southern Cal Big Bear area another story I went thru the Chain check and they want to see the chains- I had a tow chain in a canvas bag so I pulled out the bad gave it a shake and they said proceed got luck on that...