If you're driving on a frozen river/lake and the ice cracks and the vehicle sinks,does car insurance

[raccoon]

reimburse you for the vehicle?

Something Garrison Keillor was saying made me think of this.

[opiate69]

1. I woud imagine, if you lived in an area where this was routine

there would be some kind of coverage for it. I can guarantee the "ice road truckers" up in northern Canada have coverage for that.

[NYC_SKP]

2. No. Mostly. With exceptions.

If your are driving on a frozen lake river then you are off-roading and behaving in a manner that falls outside the realm of expectations.

Compare to "if you are climbing a tree with your car".

Some policies are for off-road use and might allow for this.

[Mnpaul]

3. Nope

I'm pretty sure you insurance stops at the lake shore. We used to party on the frozen lake because the cops could go out there due to that fact. The game warden has coverage though. I don't think you are covered unless you buy specific coverage for it.

[MineralMan]

4. Even more importantly,

does the insurance cover the cost for removing the vehicle from the body of water and the fines that may be incurred?

I imagine it depends on your policy. It would be an easy exclusion clause to write. Driving vehicles on ice-covered water is a poor idea, as dozens of Minnesotans discover every year.

[Sekhmets Daughter]

5. It depends on your state requirements and the coverage included in your policy.

Also, the EPA can fine you in gasoline leaks into the lake.

[bottomofthehill]

6. The fine is not only for the gas

But for the oil transmission fluid, brake fluid, the list goes on

[Sekhmets Daughter]

7. But the big oil companies can pollute to their

hearts' content receiving fines that are not the least bit significant!

[ljm2002]

8. I'd be a lot more worried...

...about surviving such a scenario. Whether the insurance covered the vehicle would definitely be a secondary concern.