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I don't know...I'd have to read my policy's "exclusions". I know that losses arising from "acts of war" are excluded, so maybe "acts of extreme stupidity" are too?
Probably not. Seems like the small print these days in warranties, insurance and most all legal documents tends to protect the provider from ever having to dish out even 1 cent.
I do ice trials in winter (basically, autocross on snow or ice) up in Wisconsin, where lakes are considered public roadways where vehicles are concerned. That gives you a leg up if you need to make an insurance claim for incidents arising out on the lake. Over the years we've lost a couple cars through the ice. I know for sure on one occasion that the guy's insurance company bought him a new car. However, it cost $3,000 to get his car out of the lake (and you better get it out quick because the WI DNR fines you $600 a day every day until you do), and I don't remember if he had to pay the recovery cost out of pocket or if it was covered too.
^ I see you are from Arizona. I don't know if you have experience with northern climes, but this (driving onto frozen bodies of water) is not particularly uncommon, and probably has about a 99.9% success rate.
In addition, insurance does indeed cover stupidity.
Last edited by stanman13; 02-04-2010 at 10:24 AM..
Reason: clarification
Driving on frozen lakes is common in the north and so is ice racing with cars. There is a few things one needs to know first. I'ld bet that hummer driver had more money than brains, since if that hummer was under the ice for long enough there is very stiff fedral fines to pay, plus there can be local fines, the wrecker and rescue folks, maybe a diver, and then to buy another hummer since no Ins will cover that... LOL
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