Vehicle Through Ice

Dec 21, 2018

  1. Pertzbro
    Offline

    Pertzbro New Member

    Posts:
    4
    Likes Received:
    0
    State:
    Iowa
    I'm in Northern Iowa and live on a lake. There has been much discussion with my ice fishing friends that if you vehicle goes through the ice that insurance will not cover it.

    We drive on the ice for about a month or a month and a half when ice fishing and the ice is over a foot thick, but there can be spots where it is thinner.

    Does auto insurance have an exclusion for driving on frozen lakes/ponds? It would be the totaling of the vehicle and the cost to retrieve it out of the ice/water.

    Thanks
     
    Pertzbro, Dec 21, 2018
    #1
  2. fed up
    Online

    fed up Guru

    Posts:
    298
    Likes Received:
    165
    State:
    Virginia
    Insurance companies cover stupidity every day. If there is nothing in your policy which expressly excludes coverage for parking on water then you are okay.
     
    fed up, Dec 21, 2018
    #2
  3. Pertzbro
    Offline

    Pertzbro New Member

    Posts:
    4
    Likes Received:
    0
    State:
    Iowa
    I've read that some policies will have "Off-Road Recreation" exclusion of which driving on ice would be included. I'm having my staff look at our companies for this exclusion more in depth.
     
    Pertzbro, Dec 21, 2018
    #3
  4. adjusterjack
    Offline

    adjusterjack Guru

    Posts:
    994
    Likes Received:
    329
    State:
    Arizona
    I suppose it would be covered either by the "upset" peril or "water."

    However, there's this exclusion:

    However, assuming that it is covered, you would likely be surcharged for an at-fault accident and possibly non-renewed when your insurance underwriter learns that you do this regularly, thus driving your rates to the stratosphere when you buy new coverage.

    I suggest you discontinue the practice if you want to preserve competitively priced insurance.

    Maybe get a light weight inexpensive snow-mobile.

    Like Fed Up says: Stupidity is covered.

    But not without consequences.
     
  5. fed up
    Online

    fed up Guru

    Posts:
    298
    Likes Received:
    165
    State:
    Virginia
    You stated: I've read that some policies will have "Off-Road Recreation" exclusion. that is one reason why it is so expensive to insure a Jeep. Damage from rolling down a hillside is extensive and some people actually turn in claims for thoughtless actions but it really is no different than attempting to tow a vehicle and tearing off the bumper. Insurance companies are able to read the tea leaves and if losses from ice fishing start to statistically increase negative bottom lines you can rest assured that the exclusion will be included in policy language of major carriers
     
    fed up, Dec 21, 2018
    #5
  6. Pertzbro
    Offline

    Pertzbro New Member

    Posts:
    4
    Likes Received:
    0
    State:
    Iowa
    I'll let you know what my companies say. Auto Owners has already said it's covered. Looks like most of you who have commented are from the South.

    Ice fishing and driving on ice is extremely common in our Area and further north - Minnesota. We have alot of regional carriers here that are HQ'ed in Minnesota and Wisconsin.
     
    Pertzbro, Dec 21, 2018
    #6
  7. Allen Trent
    Offline

    Allen Trent Guru

    Posts:
    374
    Likes Received:
    246
    It will most likely depend on whether it is legal to drive on the frozen lake or not. If illegal, they may not pay the claim. the confusion likely comes from a decades old story (possibly true or made up) of a State Farm client who was out ice fishing with a buddy & his dog. The story went that the guy lit a stick of dynamite or something & threw it. the dog retrieved it and came back to near the vehicle where it exploded & sunk the new SUV. State Farm supposedly denied the claim, not because the vehicle merely sunk, but because of the illegal activity of using an explosive.

    Again, I have no idea if it is true, but I have heard that story several times over the years and I am not even connected to State Farm at all.

    When your car falls through the ice | CarInsurance.com
     
  8. Pertzbro
    Offline

    Pertzbro New Member

    Posts:
    4
    Likes Received:
    0
    State:
    Iowa
    It's legal.
     
    Pertzbro, Dec 21, 2018
    #8
  9. FexBids
    Offline

    FexBids Expert

    Posts:
    32
    Likes Received:
    25
    State:
    Arizona
    In Arizona we don't have frozen lakes. Which is one reason people live in Arizona.

    Instead, we have raging rivers in the rainy season.

    Normally the rivers beds are dry and and some roads go right though them. In the rainy season there can be from a foot of water to 5 or 6 feet of water in them. Swift moving water. Real fast. And powerful.

    Every year stupid people, usually visitors from back east, try to cross the raging water and are swept downstream only to be buried in tons of sand and silt.

    And, usually, they have to drive AROUND warning signs to try and cross the water.

    How stupid is that?

    tinman
     
    FexBids, Dec 21, 2018
    #9
  10. adjusterjack
    Offline

    adjusterjack Guru

    Posts:
    994
    Likes Received:
    329
    State:
    Arizona
    That's 49 Darwin Awards, folks.

    Definition of insanity - Doing the same things over and over and expecting a different result.
     
Loading...