{"id":584,"date":"2017-02-06T08:00:00","date_gmt":"2017-02-06T14:00:00","guid":{"rendered":"https:\/\/flagshipinsuranceservices.com\/?p=584"},"modified":"2020-04-27T07:57:26","modified_gmt":"2020-04-27T12:57:26","slug":"will-your-vehicle-sink-or-swim-if-it-falls-through-the-ice","status":"publish","type":"post","link":"https:\/\/flagshipinsuranceservices.com\/index.php\/2017\/02\/06\/will-your-vehicle-sink-or-swim-if-it-falls-through-the-ice\/","title":{"rendered":"Will your vehicle sink or swim if it falls through the ice?"},"content":{"rendered":"

This is the time of year when ponds and lakes are frozen. Soon you\u2019ll be getting ready to get your vehicle out on the open, frozen water to enjoy the great outdoors. But what would you do if the unthinkable \u2013 but sinkable \u2013 happens and your vehicle breaks through the ice?
\nHow is your car covered if it breaks through the ice?<\/strong>
\nAs long as you have comprehensive (other than collision) coverage on the auto, there\u2019s actual cash value coverage for the auto. West Bend will also provide coverage for the retrieval cost of the vehicle\u2019s extraction from the body of water.
\nWhat happens if your car does not have comprehensive coverage (other than collision)?
\n<\/strong>
\nYour insurance may provide coverage for the retrieval costs of the vehicle\u2019s extraction from the body of water as property damage under your auto liability coverage.
\nThere\u2019s no coverage for the cost of the vehicle itself. Any fines assessed to you for the car falling through the ice would also be paid by you.
\nWhat happens if your ATV, snowmobile, or other recreational vehicle breaks though the ice?<\/strong>
\nIf your recreational vehicle carries physical damage coverage, it would be covered if it sinks. The deductible would apply. Your insurance company may also provide coverage for the retrieval costs of the recreational vehicle\u2019s extraction from the body of water.
\nWhat happens if your ATV, snowmobile, or other recreational vehicle doesn\u2019t have comprehensive coverage (other than collision)?<\/strong>
\nIf you don\u2019t have physical damage coverage on your recreational vehicle, your insurance may provide up to $1,000 of coverage for the recreational vehicle itself and the retrieval costs of the recreational vehicle\u2019s extraction from the body of water.
\nPollution and any other fines assessed to you for the recreational vehicle falling through the ice would be paid by you.
\nBefore heading out on the ice<\/strong>
\nTo keep you and your vehicle afloat, be sure to take the necessary safety precautions. First, check with your local bait shop or lakeside resort about ice conditions, then check the ice thickness when you get there.
\nIce thickness guidelines:
\n2″ or less – STAY OFF!
\n4″ – Ice fishing or other activities on foot
\n5″ – Snowmobile or ATV
\n8″ – 12″ – Car or small pickup
\n12″ – 15″ – Medium truck<\/strong>
\nRemember, 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. Park cars, pickups, and sport utility vehicles at least 50 feet apart and move them every two hours to prevent sinking.
\nWith common sense and precaution, you\u2019ll keep your vehicles above water and enjoy a safe season outdoors!<\/p>\n","protected":false},"excerpt":{"rendered":"

This is the time of year when ponds and lakes are frozen. Soon you\u2019ll be getting ready to get your vehicle out on the open, frozen water to enjoy the great outdoors. But what would you do if the unthinkable \u2013 but sinkable \u2013 happens and your vehicle breaks through the ice? How is your […]<\/p>\n","protected":false},"author":3,"featured_media":3080,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-584","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts\/584","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/comments?post=584"}],"version-history":[{"count":0,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/posts\/584\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/media\/3080"}],"wp:attachment":[{"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/media?parent=584"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/categories?post=584"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/flagshipinsuranceservices.com\/index.php\/wp-json\/wp\/v2\/tags?post=584"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}