truck went down

[bturck]

Word from a good friend that his sons fishing buddy dropped his truck through on Big Swan, in the narrows. That area is never good for vehicle traffic no matter how cold it gets. Only 4 ft of water but still a huge expense for his insurance company. Thank god he got out all right. Bill

[merc]

That's not the first one to go down in the narrows this year. That area is dangerous all season long. Like you said not deep but a pain in the butt when they go down!!

[Beaver15]

That spot has been trouble for years, wonder why people keep thinking they can get up to the other end through there. It's never safe there no matter how cold it gets. A player I coach on my basketball team had his brother break through before Christmas trying to pull their perm up to the north end. Quite an ordeal getting it up and to safety from his story. Was out there 3 weeks ago and there must have been 20 houses piled up just south of the narrows. We were making bets on if any of them were going to try to come across but none did, thank god!.! Good fishing to be had on the north end but safety first as always...

[Crusher]

Glad he got out o.k. but I think the insurance stops once you willingly drive off of land and onto the ice. Hope he's been saving $$$$$

[This message has been edited by Crusher (edited 02-26-2004).]

[walleyehawk]

Depends on the insurance co. You have to verify with the company/agent that you are covered. I think alot of the big companies cover vehicles on lake ice. I know I am covered.

[jlm]

Bad deal. I have heard of this spot often and I have only lived in this are for a couple of years. Why is this area so bad....current? Does anyone mark the lake at all for dangerous ice? That would be a great idea and might save some serious problems for folks. Anyway, pulling the truck out will be cheaper than paying for a funeral...glad to hear all are ok!

[merc]

One went down before Xmas? I was out there on Jan 10 I believe and a truck had the front end dropped in. Not a good area, every year you hear of a few!!!

[Guest]

Bturck
Being you are an insurance guy by trade, is falling though the ice covered by insurance or is it an add-on. I have heard it both ways and am not sure what to believe

[bturck]

Sorry I'm late getting back to you guys, just got back from Lake of the Woods last night.

If you carry comp on your auto policy you have coverage for going through the ice. The cost of retrieval, and damage to the vehicle are covered. Generally most compaies will total a vehicle that has gone down, especially if it was fully submerged becuase any future problems as a result of the loss are also covered ie: electrical wiring, mold, rotting of carpets, smell in the vehicle. So they will generally just total the vehicle and cut there losses. As one of my claim adjusters once told me "we do insure stupidity".

If you recall in Januray a truck went down in Pearl Lake. Jimbo and his crew were able to get it out, the pictures were in the St Cloud Times. I inusred that vehicle, however because of the age of the truck, it only had liability, we had no coverage for that one. Bill

[Guest]

Bill, If I would go through the ice and my ins. company pay's for the removal and replacement of the truck,Will my ins. company drop me.