Car through the ice - does insurance cover that?

[sergv]

Had an argument with a friend... I think he wants to total his crappy ride

[Bottle Fish]

I have always been told once on the ice your insurance is dropped. But don't take my word for it.

[pikerliker]

I believe that most insurances will not cover you. The thinking being you decide to take the risk when you willingly drive out on to an ice covered lake that may or may not be safe.

~piker

[Jethro80]

I would find another way to total the car out. Thats my opinion.

[BK19]

most actually will cover it 1 time

[stumper]

most actually will cover it 1 time

This is true with my company at least.

[fishersofmen]

Yep, I heard the same thing. They should cover it. Don't most accidents occur from doing something stupid? Why would this be any different.

[B@ssDoctor]

Mine covers the value of the car and whats in it, and the tow out, whether it be a tow truck or helicopter. This is a 1 time event and I would bet that a guy would be dropped shortly after.

[Northlander]

I made sure my Insurance would cover it. Im on the ice almost daily and wont have a Insurance company that wouldnt cover it.

[bturck]

If your policy has full coverage collision and comp you will have coverage god forbid you break through. The coverage would come from the comp coverage and would apply to the cost of repairs and extraction minus your ded, if you have one. The company I worked through until I sold my agency last June did not have a limitation however any company is going to look at frequency of any kind and make a decision on renewal of that policy. As stated above yes stupidity is covered. In the case of a commercial auto policy they will usually require a seperate endorsement for on ice coverage. In 23 years of qouting againist other companies I do not recall seeing any other policies that excluded going through the ice. As stated above on the last post if in doubt, call your agent, that's what you pay him for. Good luck and stay dry

[Jeremy airjer W]

My agent said I'm covered for the first one when I asked a few years back.

[jigging-matt]

Like what has been said, most insurance covers you for the first one thru, after that you are on your own.

[Big A]

Yes insurance covers this. But like all others... I would be DEEPLY impressed of they didnt drop you or jack your premium to epic levels afterwards. But regardless. Full coverage means FULL COVERAGE.

[bturck]

Yes you could probably expect an increase in yur premium. Considering the fact that the coompany just totaled a $30,000 K1500, paid several thousand to remove the vehicle from the briny depths you would most likely see an increase. Still better than self insuring.

[Tyler23]

i think it depends on your policy? my dad said mine covers it so that made my day

[dirtking]

I asked - mine is covered

[Gary Crichton]

I hope I never have to use it.!!!!!!!!!!!!!!!

G.C.

[opsirc]

the money from the insurance company should almost cover the DNR fine.

[hawkeye43]

The company if they did drop you, how would they get their money back, you would think they would jack the rate up to recope the lose.

[jigginjim]

Some companies may cover the car or truck, But not the fine or pulling the unit out of the water.

[merc]

Worked with the insurance business for 20 years and did not know of any company that didn't cover the vehicle and towing under comp coverage. Maybe things have changed lately but I woudn't think so. It's possible after one claim they would put a rider on your policy that they would not cover a second claim. Best advice, check with your agent. Also normally comp claims don't have an increase on your rates but some companies may.

[Sandmannd]

The company if they did drop you, how would they get their money back, you would think they would jack the rate up to recope the lose.

They got their money from their last ten years of premiums with no claim from you. I have a problem with getting your insurance jacked because you file a claim. Isn't that why you bought the insurance to begin with?

[Down Deep]

Insurance will cover a loss of a vehicle. You may want to advise your buddy of the prison term he might face for insurance fraud.

[Fish Head]

I am an insurance agent and have been for 25 years. Yes it is covered under comprehensive. Because this is a comprehensive loss, we do not increase your rates for this. It’s possible that some companies do, but the majority of companies definitely do not increase your rates for a comp loss.

You will not be dropped for having a comprehensive claim. This is not allowed by State law. If you have multiple comprehensive claims, they may no longer offer full coverage, but you will not be cancelled for having 1 comprehensive claim.

By the way, insurance fraud is a felony.

[Beege]

Just remember to tell your buddy to hold on to the soap. When he goes to prison for insurace fraud. LOL