Underwater Effect Help

I Am A Kind-Of Noob To Unity Scripting, And I Need Help. Can Anyone Help Me Write A Script, Where When The Character’s Camera Is On Level With Or Under The Water, Bluish Fog Appears. And If Possible Without Shaders. Here Is My Script So Far:

using UnityEngine;
using System.Collections;

public class UnderWater : MonoBehaviour {

public Camera cam;
private float campos;
public GameObject player;

void Start() {

	campos = cam.transform.position.y;

}


void OnTriggerEnter(Collider other) {

	if(other.name == "MainCamera"){
		

		if (other.transform.position.y -= this.transform.position.y) {

		}



}

}
}

Please Help Me Finish It.

-TCE

@Namey5 Thank You So Much. I’ve Worked It Out Now, And Also Thank You For Your Help. I’ve Changed It, So Now It Is Directed At The Player, Not The Camera.

Thanks Again,

-TCE