BE58 PLT DSNDS BELOW THE DECISION HT DURING IMC CONDITIONS; LOSES CTL OF ACFT; HAS A RWY EXCURSION AND DAMAGES THE ACFT AT ACY.

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CHKED IN WITH ACY APCH AND THEN GOT ATIS WHICH RPTED 1 1/2 MI VISIBILITY. RECEIVED VECTORS FOR ILS RWY 13 AT ACY; APCH FLAPS OUT. OUTSIDE OF THE LOM; INTERCEPTED THE LOC (COUPLED) CHKED ATIS AGAIN; NOW STATING THAT THE VISIBILITY WAS 3/4 MI; BUT THE TWR WAS TELLING ME THAT THEY HAD 6000 FT VISIBILITY ON RWY 13. I SAID THAT I COULD SEE THE WHOLE RWY/ARPT FROM WHERE I WAS -- APCH LIGHTS; RWY LIGHTS; FROM END TO END. AUTOPLT CAPTURED THE GS; GEAR DOWN; 3 GREEN; ADJUSTED PWR TO MAINTAIN 130 KTS. WHEN LNDG WAS ASSURED; I TURNED OFF THE AUTOPLT AND ADDED FULL FLAPS. I EASED THE PWR TO IDLE AS I CROSSED THE THRESHOLD AND LEVELED THE NOSE. I FELT THE ACFT START TO SINK; SO I ADDED A LITTLE PWR TO ARREST THE RATE OF DSCNT. RIGHT AFTER THAT PWR ADJUSTMENT; I PUNCHED INTO THE FOG. WHEN I CAME OUT A SECOND OR SO LATER; THE L WING WAS HIGH; THE NOSE WAS PITCHED UP AND TO THE R. I ROLLED L TO LEVEL THE WINGS AND PUSHED FORWARD TO LOWER THE NOSE BEFORE WE HIT AND L RUDDER/BRAKE TO PULL THE PLANE BACK TO THE L WHEN WE TOUCHED DOWN. THE PLANE HIT R WING FIRST. FROM TALKING WITH THE FAA INSPECTOR; THIS PROBABLY BOUNCED THE ACFT UP ONTO THE NOSE AND L MAIN WHEELS RESULTING IN THE PROP STRIKE. THE ACFT STARTED TO SKID TO THE R WITH THE NOSE POINTING L. I BELIEVED THAT THE LNDG GEAR HAD FAILED AND THAT I WAS NOW SLIDING ON THE FUSELAGE. I STARTED TO SHUT DOWN THE ENGS (INCLUDING FEATHERING THE PROPS). WHEN THE ACFT STOPPED; I ENSURED THE BATTERY; MAGNETOS; AND FUEL WERE OFF AND EXITED THE ACFT. ONCE THE PAX WERE CLR OF THE ACFT; I RETURNED TO IT TO CALL FOR ASSISTANCE. I MESSED UP. PLAIN AND SIMPLE. ONE FACTOR IN THIS INCIDENT WAS THAT I CONFUSED THE PART 91 AND 135 OPERATING RULES ON INST APCHS. FIRST; I BELIEVED THE VISIBILITY WAS THE CTLING FACTOR ('LNDG MINIMUMS') FOR THE APCH. WITH 3/4 MI VISIBILITY RPTED WITH AN RVR OF 6000 FT; I FIGURED I COULD COMMENCE WITH THE APCH. SECOND; I WAS OUTSIDE THE MARKER AND HAD THE LIGHTS IN SIGHT MEETING SEVERAL OF THE DSCNT BELOW DECISION HT/MDA CRITERIA; IN PART 91. FROM THIS POINT; I BELIEVED I WAS LEGAL TO EXECUTE THE APCH; BUT FROM WHAT I SAW; I ALSO BELIEVED IT WAS SAFE TO PROCEED. I HAD PASSED OVER THE FOG AND IT APPEARED VERY THIN. I COULD EASILY SEE TERRAIN; ROADS; AND HOUSES. FROM OUTSIDE THE LOM; I COULD SEE THE RWY AND ARPT LIGHTS. I BELIEVED I WAS BOTH SAFE AND LEGAL. LUCKILY; MY PAX AND I WALKED AWAY UNINJURED FROM THIS INCIDENT.