does insurance cover car falling through ice

Answer: If your car were covered for falling through ice, it would fall under your comprehensive coverage. But read your insurance policy's fine print. There may be exclusions or conditions that leave you owning a very expensive Popsicle

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Full Answer

Is my car covered if it falls through ice?

Question: If my automobile falls through the ice and is fully submerged, is it covered, assuming I have collision and comprehensive? Answer: If your car were covered for falling through ice, it would fall under your comprehensive coverage. But read your insurance policy's fine print.

Does car insurance cover ice fishing?

"A customer who drove on the ice for the purpose of ice-fishing would be covered under comprehensive coverage if their car fell through the ice. The extraction of the vehicle would be also covered," confirms Penny Gusner, senior consumer analyst for CarInsurance.com.

Does comprehensive insurance cover damages from Ice accidents?

However, there are situations where comprehensive would not cover the damages. Michael Barry, Vice President with the Insurance Information Institute explains, "If your insurer determined the original purpose of driving onto the ice was to have the car intentionally totaled, it would likely cite fraud and not pay the claim."

How many times can you remove a car from the ice?

The New York Department of Insurance (DOI) told us that, in their state, some policies will cover the removal of an insured vehicle from the ice only once in a lifetime. Check with your insurance company to find out if you have any such limitation.

Does insurance cover your vehicle falling through ice?

When cars fall through ice. Your insurance will cover your cars falling through ice, if you have comprehensive coverage on your insurance policy. And if you don't have comprehensive coverage, the entire cost of the extraction and repair/replacement of your vehicle will fall to you.

What should you do if your car is on the ice?

If disaster strikes and you break through, as soon as you hit open water, GET OUT! Don't worry about leaving anything behind, unless it's another person. If you're unable to escape before the vehicle sinks, remain calm. Wait until the vehicle begins filling with water.

Is sliding in the snow covered in insurance?

If you are involved in an accident due to sliding on ice or snow, you will be covered under your collision coverage. For a loss from the weight of ice or snow, you would be covered by your comprehensive coverage. This can happen if the weight of snow causes a tree to fall on your car.

Is freezing covered under comprehensive?

Typically, collision and comprehensive coverage exclusions include loss or damage due to: Wear and tear. Freezing.

How do I stop skidding on ice?

0:041:28How to Handle an Ice Skid | Driving Lessons - YouTubeYouTubeStart of suggested clipEnd of suggested clipYou don't want to be stepping. Completely down on the brake in one motion your braking should beMoreYou don't want to be stepping. Completely down on the brake in one motion your braking should be used by pumping the brake up. And down pumping on the brake.

Should you pump your brakes on ice?

You do not have to pump your brakes. In fact, if you pump them while braking hard, you will lose the benefits of the ABS. During emergency hard braking, apply firm pressure to the brake pedal; do not take your foot off the brake until your vehicle comes to a full stop. Essentially, brake and steer.

What is comprehensive coverage?

Comprehensive car insurance is additional coverage that protects your car from loss or damage that's not caused by collision-related incidents. That means this coverage can protect your car from things that are out of your control.

What is collision insurance on a car?

Collision insurance is a coverage that helps pay to repair or replace your car if it's damaged in an accident with another vehicle or object, such as a fence or a tree. If you're leasing or financing your car, collision coverage is typically required by the lender.

What is a comprehensive deductible?

Your comprehensive deductible is defined as the amount you pay out of pocket to repair or replace your vehicle after your claim is approved; this means that the remaining costs are covered by your insurance company (up to the actual cash value of your vehicle).

Is it better to have collision or comprehensive?

It is better to have comprehensive insurance than collision insurance, if you need to choose between the two. Comprehensive coverage is inexpensive, can be purchased alone, and pays for damage due to events beyond your control, such as vandalism, theft, natural disasters or run-ins with animals.

Whats the difference between comprehensive and collision?

Generally, collision coverage comes into play because a driver gets into a car accident. Comprehensive is a separate coverage from collision. It helps cover different types of losses that are usually not the result of driving the vehicle, such as theft, hail or fallen trees.

What is the difference between full coverage and comprehensive?

The difference between full coverage and comprehensive insurance is that full coverage is a car insurance policy that includes both comprehensive and collision insurance along with the state's minimum requirements. Comprehensive insurance covers damage to a car from things other than accidents, like theft or fire.

How do you get ice off your car fast?

Rubbing Alcohol Solution: Highly recommended is the mixing of isopropyl (rubbing alcohol) and water. Mix two-thirds rubbing alcohol and one-third water and place into a spray bottle. Shake up the bottle, spray the solution on your windshield, and watch as the ice and frost disappears.

How do you get ice off your car?

Alcohol-based deicing mixtures freeze at around 5 degrees Fahrenheit versus 32 degrees for water. As the ice begins to melt, use a plastic scraper, the windshield wipers, a rubber squeegee or a soft bristle brush to remove it from the glass. Never use metal scrapers, which can scratch the glass and damage wiper blades.

How do you melt ice off a car?

Mix three parts vinegar and one part water or two parts rubbing alcohol and one part water in a spray bottle. Turn on your car so the defroster can start warming up the inside of the vehicle. Spray your windshield with the solution and wait 15 to 30 seconds while the ice softens and melts.

How do I get ice off my car body?

0:091:26How to Remove Ice from Car - YouTubeYouTubeStart of suggested clipEnd of suggested clipAnd completely melt away if you're concerned that the vinegar might be bad for the paint of your carMoreAnd completely melt away if you're concerned that the vinegar might be bad for the paint of your car just bring a little extra water with you and pour it onto those spots.

Insurance for Car Repairs

Winter weather can cause a bunch of vehicle problems, like losing control on a slick road and hitting a guardrail, or having tree branches heavy with snow and ice fall on your car.

Insurance for Problems You Cause to Others

Slick roads, black ice and overconfidence in your winter driving abilities can all contribute to car accidents.

Geico

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USAA

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State Farm

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Insurance for Injuries to Yourself and Passengers

If you or your passengers are hurt in a winter car crash, you can typically tap into the medical benefits portion of your car insurance policy. The medical benefits will vary, depending on your state.

More Insurance for Winter-Related Accidents

The best car insurance policies have add-ons that allow you to further customize your policy. Here are some useful coverage types for drivers who might face winter car problems.

Old Ironmaker

A rhetorical question. This was discussed here a few times and I asked that question to my broker last year. We had our annual review of coverage today and I reminded him I asked him last year but he never got back to me. It wasn't a answer I readily needed as I knew I wasn't going onto the ice ever again with any of my vehicles.

Steve

when I'm asked this question, or any other, I always respond in the same way.

irishfield

Fully covered, by your liability coverage if nothing else and your comprehensive if you pay for it. Might wanna find a new broker.

Steve

remember, not all companies provide the same coverage. each policy can differ from one another.

Rod Caster

I've never heard of a vehicle through the ice get denied coverage; to put it another way, I've never seen a personal (commercial is different) vehicle owner get left to recover a vehicle through the ice on his/her own dime.

Sinker

I'm fully covered, and I have that in writing. Both my vehicle, and sled.

TennesseeGuy

Comprehensive, less the deductible, provides coverage on a vehicle falling through the ice.

How to keep your vehicle afloat on the ice?

First, check with your local bait shop or lakeside resort about ice conditions, then check the ice thickness when you get there.

What happens if your ATV breaks through the ice?

What happens if your ATV, snowmobile, or other recreational vehicle breaks though the ice? If your recreational vehicle carries physical damage coverage, it would be covered if it sinks. The deductible would apply. West Bend would also provide coverage for the retrieval costs of the recreational vehicle’s extraction from the body of water.

How thick is ice in a truck?

12" - 15" - Medium truck. Remember, temperature, snow cover, currents, and springs all affect ice safety. Ice is rarely the same thickness over a single body of water; it can be two feet thick in one place and one inch thick a few yards away. Check the ice at least every 150 feet.

Should you keep your vehicle above water?

With common sense and precaution, you’ll keep your vehicles above water and enjoy a safe season outdoors!