On January 19, 1999, at 1850 eastern standard time, a Cessna 150F, N8142F, operated by a private pilot, sustained substantial damage on impact with a snowbank when landing on runway 28 (4,000' X 75' dry/asphalt) near Hillsdale, Michigan. The pilot and one passenger reported no injuries. The personal 14 CFR Part 91 flight was operating in visual meteorological conditions. No flight plan was on file. The flight departed Wauseon, Ohio, about 1830. The pilot said in a written statement that on landing the airplane, "... made immediate left into snow on side of runway." He said that he had left the wheel pants on the main landing gear and that ice and slush had accumulated in them and he thought that the left main landing gear wheel/tire had become frozen. He told investigators during a verbal interview that he could have avoided the accident if he had removed the wheel pants prior to flying in winter weather and freezing temperatures.