Think your truck is covered on ice? Maybe not.

[Don_knows_best]

Originally Posted by Tigger72

So who else has TD insurance and has called... just curious .... As to how many different answers and if I anyone can get it in writing??

I have td and had to call twice. First time I called no was the answer. Second time they said it's covered. So I asked for it in writing and was told its in the policy and is classed as flooding and covered under comprehensive Recovery as well. Same as vehicle in accident needed to be towed. Now there is a note on account that I called spoke to supervisor and that's what I call covering my ass .

[NewAlbertan]

Legal babble your agent gives you... Don't expect ice fishing sinkage coverage. Expect to fight tooth and nail painfully. And probably lose.
Remember who insurance companies really represent.

My 2 bits

[PlayDoh]

Originally Posted by NewAlbertan

Legal babble your agent gives you... Don't expect ice fishing sinkage coverage. Expect to fight tooth and nail painfully. And probably lose.

Remember who insurance companies really represent.



My 2 bits

^^^^ This. Agents and likely their supervisors don't know jack. You might have a case if you have written evidence you were told your covered, yet even then I wouldn't expect it.
When push comes to shove insurance companies will fight tooth and nail to deny your claim. Ask anyone who's house has burnt down.
You'd be better off buying a beater to drive on the ice IMO. I can't believe people drive newer trucks on the ice.
Risk vs Reward.
Also I would t be surprised if environmental fines could bankrupt most people. I'm guessing there but those kind of fines are rarely cheap.
Let's also keep in mind the environmental impact sinking a vehicle would have, "cleaned up" or not.
"thousands of tiny releases, carried by streams and storm drains to the sea, are estimated to equal an Exxon Valdez spill -- 10.9 million gallons of petroleum -- every eight months, the report says."
http://www.nytimes.com/2002/05/24/us...tudy-says.html

One drop of oil contaminates 1,000,000 litres of water. You don't even have to break through to have an impact.

[1bluZebec]

Originally Posted by leeaspell

Yours is a Chevy, of course it isn't meant to go off road

that's the truth too lol. The level 2 ranger
WILL go ALOT further off-roading in pretty much every way than that heavy Chevy

[DiabeticKripple]

I specifically asked my insurance company, through email, if I was covered if I went through while ice fishing and they said yes. I have it in writing.

[Kim473]

Originally Posted by bloopbloob

My truck is a 4x4. Basically I'm posting this because I had to ask a lot of questions even after being told yes I was covered, to find out that in fact, I would not be covered if I broke through going ice fishing. Just got off the phone with TD insurance about 15 minutes ago. Oh, I also asked if there was something I could add to my policy to cover me for ice fishing, and the answer was no.

Had off road insurance on a 4X4 once. It would have been covered for ice fishing.

Was in a band years ago and asked for insurance for the drums. They would cover, hit by lightning, earth quake, flooding etc. but would not cover for fire, theft and vandalizim . Acts of god only. LOL

If some women can insure there legs, i'm sure you could insure pretty much anything. Just a matter as to how much it will cost you. Insurance Companies are like casinos, the house allways wins 75% of the time !

[35 whelen]

I think lots of guys THINK THEY ARE COVERED but when it comes down to it most companys will not pay if you are on lake ice fishing .

[Mike_W]

Originally Posted by Jet

If your insurance agent says yes, and it turns out the insurance company won't cover it. How "on the hook" is your insurance agent for giving you incorrect information?

You would have to prove that they advised you incorrectly and if so they do need to have Errors and Omissions Insurance to hold a licence.

[MathewsArcher]

RBC paid out for recovery and loss when I had a vehicle go through several years back. No questions, no arguing covered it under the collision portion of my insurance.

[stubblejumper01]

I told my wife I needed a snowmobile or side by side , depending on snow depth, for ice fishing so I wouldn't have to drive my 1 ton dually out there.
So that's what I do. If I took my truck she might think I don't need the other 2 units.

[Whocares1]

TD Insurance is one of the worst insurance companies to have would not trust anything they say, get it in writing and signed and dated.

[muzzy]

Originally Posted by PlayDoh

^^^^ This. Agents and likely their supervisors don't know jack. You might have a case if you have written evidence you were told your covered, yet even then I wouldn't expect it.
When push comes to shove insurance companies will fight tooth and nail to deny your claim. Ask anyone who's house has burnt down.
You'd be better off buying a beater to drive on the ice IMO. I can't believe people drive newer trucks on the ice.
Risk vs Reward.
Also I would t be surprised if environmental fines could bankrupt most people. I'm guessing there but those kind of fines are rarely cheap.
Let's also keep in mind the environmental impact sinking a vehicle would have, "cleaned up" or not.
"thousands of tiny releases, carried by streams and storm drains to the sea, are estimated to equal an Exxon Valdez spill -- 10.9 million gallons of petroleum -- every eight months, the report says."
http://www.nytimes.com/2002/05/24/us...tudy-says.html

One drop of oil contaminates 1,000,000 litres of water. You don't even have to break through to have an impact.

Wow you guys re sooo sure about no coverage.What a crock my neighbour went to Wabamun, south shore RR55 last winter to take family fishing They sunk his truck. He called insurance told them and asked how do I get it out. They immediately told him don't worry we'll look after it all. He got full coverage and had a new truck in his driveway within two weeks. Go figure that pretty good for insurance companies not covering anything

[PlayDoh]

Originally Posted by muzzy

Wow you guys re sooo sure about no coverage.What a crock my neighbour went to Wabamun, south shore RR55 last winter to take family fishing They sunk his truck. He called insurance told them and asked how do I get it out. They immediately told him don't worry we'll look after it all. He got full coverage and had a new truck in his driveway within two weeks. Go figure that pretty good for insurance companies not covering anything

Its called an opinion, no need to get your panties in a twist. Didn't see anything in my post that stated "Nobody ever gets covered". Walk a mile in my shoes and you'd have my insurance coverage pessimism.

[35 whelen]

Originally Posted by MathewsArcher

RBC paid out for recovery and loss when I had a vehicle go through several years back. No questions, no arguing covered it under the collision portion of my insurance.

THATS GOOD TO KNOW ,I called RBC who I use and they told me I'm not covered

[trophybook]

TD MELOCHE MONEX IS A JOKE OF A COMPANY ! My car was backed into wile parked properly in a stall last April...still to this day I am fighting with them to get the car fixed. Lesson record all conversations with them ask for names, employee Id numbers . they will stab you in the back just to make a buck

[MathewsArcher]

Originally Posted by 35 whelen

THATS GOOD TO KNOW ,I called RBC who I use and they told me I'm not covered

Wasn't even a question other than where did it happen. They contacted the tow/salvage company, divers etc. and had it out within a few days. All bills and claim was covered in under two weeks for full replacement value. Service was A1.

[Bemoredog]

I just got a new vehicle and figured I should probably call and find out about this. I had no idea falling through the ice was so common, even on lakes with super thick ice there can soft spots that will swallow your vehicle. Yikes.

I'm with TD Meloche Monex. I called and they said I am covered. I think it's because I have comprehensive coverage. The agent went and talked to the underwriters who confirmed that even if I deliberately drove onto the ice to fish and the vehicle went through I would be covered. I forgot to ask about whether they would cover recovery fees...

I asked for it in writing and the agent said it's in the policy book on page 6 or 7. Since I just got this vehicle and took out the policy I don't have the booklet. I will look into when I get the policy booklet in the mail and let everyone know.

The level of inconsistency reported by members on here is still unnerving though. We should really all be getting the same answer (those of us with TD anyways).

[TROLLER]

Originally Posted by Game Hunter

I'm with meloche monnex Td insurance.
They stated both my vehicles were insured 4x4 truck, and car.
The only thing not covered was environmental fees, and fishing gear which is under house insurance. My quad which is under bare minimal coverage also isn't covered on or off the truck on ice. What's the cost of environmental fees anyways?

I am aware of one guy who had to pay $25,000 after he went for a swim have heard a few others with the same penalty.

Reason 2 of why I use an atv.

[EZM]

I am not concerned. My insurance company was more than happy to put it in writing for me. My broker, who I have dealt with for years, said she has paid out 2 policies (one was a complete write off the other was recovery and some minor damage for a partial breakthrough) for ice fishing. All I pay for is the deductible.

That was over a period of about 30 years. On the other hand - these guys probably pay out 2 claims a days for a road accident.

It's the personal injury for them that gets expensive - not the cost of the lousy truck which is depreciated .....

side note - There is only one reasonable stipulation to my policy..... I must enter/exit the ice from a "common" public point such as a boat launch AND there can be no warning signs posted that say "unsafe ice".

That's all, that's it ........... I am covered.

It sounds to me there are crooked companies, poorly educated brokers and agents and different rules for different policies and insurance companies ........ so the best advice I can give is do your own research with your own insurer.

At the end of the day there aren't that many vehicles being written off every year and most smart companies would rather get your premiums and cover you for this small risk. The alternative is having you leave them to pay their competitor premiums because their coverage isn't what you are looking for. What is more likely to happen to you? an accident or an ice breakthrough?

Simple math gentlemen .....