# Dont drive on the ice V. Irondequait Bay.... **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [February 6, 2007, 4:56am UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139 "2007-02-06T04:56:00Z")\ **Posts on this page:** 20\ **Page:** 6
**Author:** ![ryanmcell](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ryanmcell/32/7510_2.png) [@ryanmcell](https://forums.speedlife.net/u/ryanmcell)\ **Post date:** [February 7, 2007, 3:13pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/101 "2007-02-07T15:13:48Z")
If it was an accident then why wouldn’t they cover it??!?!?! I am failing to see why they wouldnt? ---
**Author:** ![Nikuk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/nikuk/32/7254_2.png) [@Nikuk](https://forums.speedlife.net/u/Nikuk)\ **Post date:** [February 7, 2007, 3:18pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/102 "2007-02-07T15:18:27Z")
> [@ryanmcell](#): > > If it was an accident then why wouldn’t they cover it??!?!?! I am failing to see why they wouldnt? [http://www.nyspeed.com/forums/showpost.php?p=451460&postcount=98](http://www.nyspeed.com/forums/showpost.php?p=451460&postcount=98) > [@JayS](#): > > _+1 If you honestly think that is going to be covered you might want to read your policy sometime. Now that the kid admitted to the cops he drove out there because he thought it would be “neat” he’s fucked. Maybe if he claimed they were driving near the bay, and in the whiteout made a wrong turn and ended up out there **Geico would cover it.** But once you drive out on a frozen bay, on purpose, that’s off highway use and most policies have an exclusion._ > > > > Something to keep in mind if you like to go offroading at places like Tift. _._ ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [February 7, 2007, 3:22pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/103 "2007-02-07T15:22:16Z")
If he was driving down the road, lost control, and plunged into the bay, yes, that is something insurance would cover. It’s an accident and you were operating your vehicle on a road, doing what you’re supposed to, and you fucked up. Maybe you were speeding, but in any event, you only ended up in an insurance “forbidden zone” like the middle of a lake because you left the highway against your choice. If they prove you were speeding they will raise your rates, and maybe drop you, but they have to pay for your damages. When you drive down a boat ramp and in full control of your vehicle drive out onto the bay, insurance stops. The moment your front wheels leave the pavement of the boat ramp you have no insurance. It doesn’t matter if the lake has 3 feet of ice and is completely safe, but you find a warm spot and fall through, your insurance still isn’t going to cover you. Same thing if you go to a track and flip your car. Sure, the flipping was an accident, but you were on a racetrack, which is another violation of most policies. In that case some policies have an exception to the exception in the case of it being a “driving school”. ---
**Author:** ![slasky](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/slasky/32/7408_2.png) [@slasky](https://forums.speedlife.net/u/slasky)\ **Post date:** [February 7, 2007, 3:24pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/104 "2007-02-07T15:24:51Z")
NY has a no exclusion clause for insurance. They cannot deny your claim if you are driving off road or on a race track. I was trying change my charger over to my daytona’s policy. Both are collector car policies through different companies. They asked me if I raced it and I said occasionally. They denied me even after I said that I would race my SRT instead. I asked if I could sign a wavier excluding coverage while at the track. He said no because NY would not allow it. He also said that if I lied and said I did not race it and tried to file a claim for racing damages they would have to pay it but then would bring me up on insurance fraud. ---
**Author:** ![ryanmcell](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ryanmcell/32/7510_2.png) [@ryanmcell](https://forums.speedlife.net/u/ryanmcell)\ **Post date:** [February 7, 2007, 4:54pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/105 "2007-02-07T16:54:02Z")
Interesting, note to self. Insurance is a bunch of shit. and Nikuk, I appreciate the “are you fucking retarded” post 🙂 I still don’t know how I didn’t comprehend after even typing it myself haha. ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [February 7, 2007, 5:08pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/106 "2007-02-07T17:08:14Z")
As for NY being some sort of “No exclusions” state, I’d like to see some proof of that. I pulled my Geico policy out of the filing cabinet. There are several exclusions in there, including “racing” and “organized speed test” that I found right away. I’m missing quite a few pages and for some reason I can’t access the actual policy online. Considering they are the #1 auto insurance company in the state I find it hard to believe their policies violate NY law. It seems a lot more likely that some classic car insurance company with maybe a couple thousand policies in the entire state might have their information incorrect. ---
**Author:** ![Nikuk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/nikuk/32/7254_2.png) [@Nikuk](https://forums.speedlife.net/u/Nikuk)\ **Post date:** [February 7, 2007, 5:19pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/107 "2007-02-07T17:19:34Z")
People seem to forget that insurance is a CONTRACT FOR SERVICE. Contracts that heavily favor protecting the company from sheer stupidty. You want to buy a rider for roll racing, mention to a sales rep., the large national brands won’t bite, but look hard enough and I’m sure You can. However, You will PAY dearly for said riders. Meh > [@ryanmcell](#): > > Interesting, note to self. Insurance is a bunch of shit. > > and Nikuk, I appreciate the “are you fucking retarded” post 🙂 I still don’t know how I didn’t comprehend after even typing it myself haha. :lol: :tup: ---
**Author:** ![HotRodKid](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/hotrodkid/32/7609_2.png) [@HotRodKid](https://forums.speedlife.net/u/HotRodKid)\ **Post date:** [February 7, 2007, 5:26pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/108 "2007-02-07T17:26:32Z")
insurance companies dont like to ensure track vehicals because if your on a track and plow into someone else, that other person can sue your insurance company they might not have to pay for your vehical, but they might wind up having to pay a million dollars for someone elses dead father/ brother / sister ---
**Author:** ![MPD47](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/mpd47/32/7383_2.png) [@MPD47](https://forums.speedlife.net/u/MPD47)\ **Post date:** [February 7, 2007, 5:34pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/109 "2007-02-07T17:34:55Z")
Speaking from experience here. My track car is covered for road use and non timed events. So it’s not covered for actual racing, time attacks, or SCCA events. ---
**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\ **Post date:** [February 8, 2007, 5:20am UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/110 "2007-02-08T05:20:23Z")
According to the stuntfactoryx website, the truck’s out now. Looking/waiting for pics/vids… ---
**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\ **Post date:** [February 8, 2007, 5:29am UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/111 "2007-02-08T05:29:15Z")
Wow, it looks like the tow company was trying to wreck the truck… [http://www.wroctv.com/media\_player.php?media\_id=1748](http://www.wroctv.com/media_player.php?media_id=1748) ---
**Author:** ![fairgentleman\_Z](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fairgentleman_z/32/7263_2.png) [@fairgentleman\_Z](https://forums.speedlife.net/u/fairgentleman_Z)\ **Post date:** [February 8, 2007, 5:48am UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/112 "2007-02-08T05:48:14Z")
> [@HotRodKid](#): > > insurance companies dont like to ensure track vehicals because if your on a track and plow into someone else, that other person can sue your insurance company > > they might not have to pay for your vehical, but they might wind up having to pay a million dollars for someone elses dead father/ brother / sister No they can’t, that is the whole prupose of the sanctioning body to insure against such lawsuits. Now on my homeowner’s policy I am insured up to $1,000,000 per incident, that is like saying if I injured someone in a track accident and they can try and come sue me (which they can’t). So you are saying people are only interested in car liability and not personal? And yes you can insure your car for racing and time event, but you will be paying out the ass. Something along the lines of 10-20% of the agreed value, per event. ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [February 8, 2007, 6:38am UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/113 "2007-02-08T06:38:26Z")
[http://www.13wham.com/mediacenter/local.aspx?videoId=182074](http://www.13wham.com/mediacenter/local.aspx?videoId=182074) I saw last night that they got it out, and the stuntriders site said someone was on their way to get video. Hopefully we’ll get some good shots of what remains of the blazer. ---
**Author:** ![ryanmcell](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ryanmcell/32/7510_2.png) [@ryanmcell](https://forums.speedlife.net/u/ryanmcell)\ **Post date:** [February 8, 2007, 8:43am UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/114 "2007-02-08T08:43:06Z")
Wow that blazer looks beyond wrecked. ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [February 8, 2007, 8:56am UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/115 "2007-02-08T08:56:22Z")
![http://cmsimg.democratandchronicle.com/apps/pbcsi.dll/bilde?Dato=20070208&Kategori=NEWS01&Lopenr=70208008&Ref=AR&MaxW=450&Q=96&MaxH=320&MaxW=400&Site=A2&Q=96](http://cmsimg.democratandchronicle.com/apps/pbcsi.dll/bilde?Dato=20070208&Kategori=NEWS01&Lopenr=70208008&Ref=AR&MaxW=450&Q=96&MaxH=320&MaxW=400&Site=A2&Q=96) [http://www.democratandchronicle.com/apps/pbcs.dll/article?AID=/20070208/NEWS01/70208008/1002/NEWS](http://www.democratandchronicle.com/apps/pbcs.dll/article?AID=/20070208/NEWS01/70208008/1002/NEWS) vid: [http://ww2.whec.com/global/video/popup/pop\_player.asp?ClipID1=1223891&h1=SUV%20is%20out%20of%20the%20ice&vt1=v&at1=News&d1=108133&LaunchPageAdTag=News&fvCatNo=&backgroundImageURL=&activePane=info&playerVersion=1&hostPageUrl=http%3A//www.10nbc.com/index.asp%3Ftemplate%3Ditem%26story\_id%3D21484&rnd=54857013](http://ww2.whec.com/global/video/popup/pop_player.asp?ClipID1=1223891&h1=SUV%20is%20out%20of%20the%20ice&vt1=v&at1=News&d1=108133&LaunchPageAdTag=News&fvCatNo=&backgroundImageURL=&activePane=info&playerVersion=1&hostPageUrl=http%3A//www.10nbc.com/index.asp%3Ftemplate%3Ditem%26story_id%3D21484&rnd=54857013) ---
**Author:** ![MPD47](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/mpd47/32/7383_2.png) [@MPD47](https://forums.speedlife.net/u/MPD47)\ **Post date:** [February 8, 2007, 8:56am UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/116 "2007-02-08T08:56:29Z")
> [@ryanmcell](#): > > Wow that blazer looks beyond wrecked. As if it was salvagable after two days of sitting in the frozen waters of the bay? ---
**Author:** ![j\_espo1](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/j_espo1/32/7291_2.png) [@j\_espo1](https://forums.speedlife.net/u/j_espo1)\ **Post date:** [February 8, 2007, 9:42am UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/117 "2007-02-08T09:42:04Z")
> [@JayS](#): > > ![http://cmsimg.democratandchronicle.com/apps/pbcsi.dll/bilde?Dato=20070208&Kategori=NEWS01&Lopenr=70208008&Ref=AR&MaxW=450&Q=96&MaxH=320&MaxW=400&Site=A2&Q=96](https://canada1.discourse-cdn.com/flex034/uploads/speedlife/original/3X/f/4/f493896f02a44d034247f737733480a3de0acd3b.html) points and laughs! ahahahahahahahhahahahahahaha 🤣 x 1,000,000,000,000. id love to see that kids face now ---
**Author:** ![TrueBlue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/trueblue/32/7245_2.png) [@TrueBlue](https://forums.speedlife.net/u/TrueBlue)\ **Post date:** [February 8, 2007, 9:50am UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/118 "2007-02-08T09:50:37Z")
:eek: Holy shit, FUBAR… ---
**Author:** ![Nikuk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/nikuk/32/7254_2.png) [@Nikuk](https://forums.speedlife.net/u/Nikuk)\ **Post date:** [February 8, 2007, 3:34pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/119 "2007-02-08T15:34:33Z")
Someone NEEDS to PS that into a “Jim’s Towing - we CARE about Your vehicle” advertisement. ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [February 8, 2007, 3:38pm UTC](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139/120 "2007-02-08T15:38:19Z")
> [@MPD47](#): > > As if it was salvagable after two days of sitting in the frozen waters of the bay? It was a total loss as soon as water got inside anyways… [Previous page](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139.md?page=5) [Next page](https://forums.speedlife.net/t/dont-drive-on-the-ice-v-irondequait-bay/24139.md?page=7)