Vehicle Through Ice

Dec 21, 2018

  1. rousemark
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    rousemark Still Here!

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    Saw the thread title and thought that maybe ICE was now required to give illegal aliens a vehicle in which they could disappear into the US... :yes:
     
  2. adjusterjack
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    adjusterjack Guru

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    Yeah, like "Better Living Through Chemistry."
     
  3. VolAgent
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    If insurance excluded stupidity, that would eliminate the vast majority of auto claims. Just be prepared to pay a price for your stupidity in the form of a deductible and higher rates after a claim.
     
  4. djs
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    djs Super Moderator Moderator

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    Here's the good news.... well, sort of.....

    Illegal does not stop insurance from paying. Face it, something slightly not right about driving is what causes most accidents:
    - Run a red light (but I swear it was green)
    - Run a stop sign
    - Speeding
    - Didn't check traffic
    etc.....

    Insurance still pays.

    Falling through ice should be a comprehensive claim (water damage). Unless there is something specific in the policy, I'm sure they will pay. There would be no 'freezing' exclusion, since freezing wasn't the problem, unfreezing is. Of course, falling through ice isn't what that was about anyway.

    I don't see how this would be different from having a river suddenly go through your car in AZ or CA.

    Of course, I could be wrong, but it sort of goes back to insurance companies assume you will take care of your stuff. You can always crash your own car if you want to, the assumption in insurance is that you don't want to. Deductibles are designed to make it painful enough not to.
     
    djs, Dec 23, 2018
    #14
  5. rousemark
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    A comprehension claim should not be considered an "at fault accident"..
     
  6. VolAgent
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    They aren't. But "upset" is under collision. So it would depend upon if the adjuster determined the vehicle was upset, then an at-fault collision claim. If the adjuster determined the cause was water, then comprehensive.

    My guess would be the vehicle was "upset" as it didn't suffer the water damage until it feel through the ice. Not something that really happens here, so I've never put any thought into it.
     
  7. adjusterjack
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    If one drives a two ton (or better) vehicle out on to the ice, it sure should be.

    And since there are no statutory or contractual provisions (that I know of) that prohibit an at-fault surcharge, it would be up to the insurance company.
     
  8. Delta75
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    Delta75 New Member

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    I'm in MN and love hard water fishing. Most of the people that go through the ice do something stupid - drive their rigs out before there is at least 12 inches on the lake, drive over channels, or drive off the beaten path on a lake they don't know well (there could be springs or rock piles that heat up that create thin spots). I've seen people drive out on way too little ice with their 1 ton and Ice Castle (Ice Castle Fish Houses | You can camp in a fish house but you can't fish in a camper.).

    I don't do anything with auto coverage - the rumors I've heard is if you go through the ice, insurance will pay for the vehicle damage, but they won't pay for the expensive vehicle recovery and environmental fees. Thankfully, I haven't had to find out if that's true.
     
    Delta75, Jan 6, 2019
    #18
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