put truck in lake today any info on american family coverage

[dan p]

Yep i did!!! everyone is safe!!!!!!!!!!i know the lake well buy there were other circumstaces!!!!has anyone had one go thru this year or know of anyone that is coverde by american family insurance???i'm getting conflicting reports that they will only cover parts of the claim???? i have full coverage and know they use to cover 100% if it is your first time thru!!!but i was talking to a ladsy that retired in june of last year and she said she thought there has been changes!! of course my insurance guy is out of town or something........thanks for the info,Dan

[Dan]

I contact my A.F. agent each year b-4 the ice fishing season. I just talked to him last week. He says I'm covered. Good luck!

[Ray]

First off, I don't mean to be mean or negative, but if you or anyone else take your vehicles out on a lake and you sink them, then ask the insurance company to help bail you out, then we have a can of worms here. Most places don't have flood insurance and if you get flooded out, you don't get anything. In my area this winter, we have had a lot of snow and people's roofs are caving in and the insurance companies are not willing to pay for this act of God. People that take their vehicles on a lake should have their head eximined, especially this winter. If you sink your vehicle, you should pay the bill, not us insurers. Ray

[guys that drive on ice]

I agree Ray. The guys that drive on ice should have a seperate policy attachment, so that they pay for their own ice accidents.

[s.f.]

just curious... what lake did this happen at?
#49

[Davey]

What an idiot! I'm glad that you aren't hurt, but if you sink your truck, you should be on your own. I bet your walking from now on!!!

[jerk police]

the guy asked for information not a self rightous rant from a know it all Whocares whether you think the insurance company should pay or not

[dan p]

i'm the one who posted this to begin with!!!!!!!!!!!!!!i will never post another question on walleye central as most could not tell me the answer to my question,but get on me for driving out to begin with! i'm sorry for all these peolple here that don't know what a question is!!!!!!!!!!!!!!!!!! thanks,dan p

[Don in Denver]

Sorry that a couple of self-righteous know-it-alls may have run you off. We all make mistakes - I know I've made my share (and I'm sure they have made theirs, too). To answer your question, if you have comprehensive (not collision) coverage you should be okay. You will, of course, have to pay your deductible. If American Family gives you the run around, come on back and maybe we can help you. Don't be afraid to post because of a couple of flamers.

[Kinda Catchy]

Dan, sorry to hear about your incident. I don't drive onto frozen lakes for this very fear. If your policy covers this I think you should feel lucky. I was in a tornado years ago with 70mph winds when the garage my truck was parked in collapsed. Not my insurance or the building owners insurance would pay anything due to what they said was a act of God. Caused my to question my religion for a moment. But my advice to anyone that is going to drive onto frozen lakes, would be to check this out first. Not to mention to be darn sure the ice is safe. Don't know your whole situation but posting something like this will be sure to attract varied responses. Hope a little criticism doesn't chase you off the board, but a lot of people may question your thinking. Good luck with your agent.

[Central Rick]

Dan, sorry to hear about your unfortunate incident. I'm glad that no one was hurt. We all do things that we wish we wouldn't have done.I have one question though. Once the ice thaws, will you be responsible for getting your vehicle hauled out of the water. I think that a boat that is wrecked on a breakwall for instance must be salvaged by the owner. Is this the case for a sunken car? Any insurance men or salvage operators out there? Please shed some light.

[s.f.]

dan, on behalf of the majority of walleye hounds that come to walleye central, please accept our apology and stay with wc.
#49

[srj]

Dan P, I second s.f.'s apology. Don't let a few obnoxious posters run you off. The vast majority of WC regulars are just pleased you are ok. Maybe WC needs a new thread--the rag board? Hope your insurance works--I have the same company and I would be covered.

[reddog]

Dan, I am guessing that it is covered. There is a couple guys around here that have a pontoon type apparatus with a series of winches that they center over top of the vehicle, then send divers down to hook up, and winch it up above the surface, on floats if necessary, then the winch it off to safe ice with the help of a wrecker with a long cable. It really isnt a big deal for them, and they make it look easy, but get paid well for it.


Disregard the flamers, I think the same thing of them, when I am sitting by my vehicle catching walleyes, and they tip toe out about 50 yds from shore and expect the fish to be where they decide to drill a hole at. You gonna fish, or sit around and think about it. LOL

[mnjimcarp]

dan p,

when you post this type of question on a public forum, you need thicker skin. don't worry about the know it alls. you will find your answers if you stay persistent. if every user on this site walked every time they were offended; it would be very lonely here. good luck finding your information. good to hear everyone is ok. what lake? jim c

[Brainy]

Isnt a snowmobile or a 4 wheeler (quad/atv) cheaper than a truck...saw a few in the paper here for like $1000 125-250CC should fit in the back of a truck. then u just get yourself a nice big cart or sled to pull; behind it...Also a major advantage is its alot lighter than a pick up...

Be a little bit cheaper if that went in...might break ur heart, but least its not ur ride home, just gota long walk. Im not being smart or anything, just giving u an alternative.

Sorry to hear about the accident, possessions can be replaced, but people cant, just glad no1 was hurt. Good luck with ur insurence company.

Brainy

[Ray]

Sorry to hear about your truck, a fishing buddy put his into erie a few years back, his insurance covered it. He dosent drive out any longer. I still do if I believe it is safe.............. Keep in mind some of these fishermen post from places like Kentucky and Iowa, where they never see real ice!!!!!!!!!!!!!!!!!!!!!!!!or real lakes!!!!Good luck RAY

[Opertunist]

Hey dude no matter what your insurance will or will not pay, I believe if this happened on lake erie,that after you left your truck its considered open season under the salvage rights law. Meaning whoever goes and gets it can declare ownership uder the salvage rights, or something along that line . So you better get your ##### moving.

[perchjerker]

Speaking of laws, you can also get fined up to $500,000 for marine pollution.

[TM]

Dan, I am an insurance agent and past insurance adjuster. I have 30 years in this business. I responded to your post last week, but it appears to have been removed. If you need some advice, e-mail me.

[Skillz]

Dan P.

People are wondering about what lake you went through. I myself challenge the ice from time to time. The people who are questioning your logic of whether or not to drive to your favorite fishing spot may or may not know the circumstances of the "accident". Your question was in regards to what to do in this situation. Knowing how much money it will cost you to remove my truck is secondary. Glad you made it out without injury to yourself or others.

Keep up your enthusiasm for the sport!! Good to meet another 'eye chaser!

bw

[brw]

Ray:
sorry but your off base on this one. it is the nature of insurance to cover you for your own fault type accidents. Under your pinched analysis, you'd have no coverage if you accidentally slammed your truck into a tree or rear ended another driver, on the basis that it was "your fault." simply put, insurance will cover anyone's folly,even if unwise, as long as it was not intentional. otherwise, why have it??? my prediction is that sinking is covered whether you think it should be or not

[dan p]

they are covering my truck at 100% minus the deductible!!!!!!! and for the people that think you will get fined that is not true! the game warden said as long as i have intent or arrangements to get it out there is no such thing even if it is there till spring as long as i keep him posted of the situation.we got the truck out ourselfs using a comalong and chain it was only about 40 yards from shore.thanks for your help,dan p

[mnjimcarp]

good job dan p! things aren't always as they appear at first glance, (especially this web-site!)