Speed a factor in Otter Creek crash that killed 20-year-old

20-year-old Bianca Bepler died in the Oregon crash.

A report says that speed played a factor in a crash that killed a 20-year-old woman.

On Sunday morning, a biker spotted Bianca Bepler's vehicle submerged in Otter Creek.

Investigators believe she was driving 60 mph in a 35-mph zone before she crashed through a guardrail and landed upside down in the creek.

Officials are trying to determine if Bepler was pushing the gas at the time of the accident or if there may have been another issue with her vehicle.

Initially, police said it appeared she went through the flashing red light at the intersection of Ottawa Creek Road and Millard Avenue in Oregon.

However, authorities at the scene were not immediately able to determine if Bepler lost control of her vehicle or if she fell asleep behind the wheel.

Oregon Police and the Ohio State Highway Patrol have determined Bepler was wearing her seatbelt and was not on her phone at the time of the accident.

Those findings were included in a 25-page accident report that also stated Bepler was attending college.

According to an

online obituary

for Bepler, the 20-year-old was a student at Eastern Michigan University and a graduate of Dixie High School.

On Thursday night, services were held for Bepler at Tobias Funeral Home's Beavercreek Chapel.

Bepler's autopsy cited drowning as the cause of her death, and The Lucas County deputy coroner told the Toledo Blade she did not suffer other significant injuries that would have contributed to her death.

Officials believe she may have been in the submerged car for several hours before she was found.

(The Associated Press contributed to this article.)