Two snowmobiles through the ice 2-11 night

[ishoot308]

Originally Posted by Belmont Resident

I did not know that insurance covered going through the ice.

As long as it's an "ATV" you are covered. An automobile would not be covered going through the ice. A snowmobile would also be covered.

Secondcurve, my premiums did not change one penny as this was covered under my plans comprehensive coverage. Had this been a collision with another vehicle / ATV I am sure my premiums would have been adjusted.

Dan

Edited to add: Best to check your policy regarding ice break through coverage as any insurance company can have exceptions. I confirmed with Allstate that I was in fact fully covered before signing on as I would only be using the Polaris Ranger on ice. Can't say enough good about Allstate and how they handled this unfortunate incident.

[diz]

Originally Posted by ishoot308

As long as it's an "ATV" you are covered. An automobile would not be covered going through the ice. A snowmobile would also be covered.

Secondcurve, my premiums did not change one penny as this was covered under my plans comprehensive coverage. Had this been a collision with another vehicle / ATV I am sure my premiums would have been adjusted.

Dan

I think it may depend on the policy. My agent tells me I'm covered if my truck goes through the ice. I ask every winter to be sure.

[VitaBene]

Originally Posted by diz

I think it may depend on the policy. My agent tells me I'm covered if my truck goes through the ice. I ask every winter to be sure.

My understanding is that you need an off road policy rider (IIRC) to be covered if you go through with a car.