... googled 'Car falls through ice; will insurance pay?' and came up with this?
https://www.carinsurance.com/Article...rough-ice.aspx
http://www.foxbusiness.com/features/...hrough-the-ice
Maybe someone wants to google 'Car falls through the ice; personal experiences' and go fishing for an interesting story here?
Here's a good reply from Grace Fergusson on Sept 29 to the question: What is it like to fall through the ice? ....
https://www.quora.com/what-is-it-lik...ll-through-ice
Just a very small amount of water, like one teaspoon inhaled down the wrong pipe, into your lungs, can immediately cause coughing, and panic in someone who is already scared and upset, and if you are not wearing a pfd, or a noodle belt, drowning is the possible result.
She says 'you can be totally frozen to death in 15-20 minutes', while I have read that with a pfd, or a noodle belt, you can survive for up to 90-minutes in 34-degree liquid water? While a pfd is more effective and helps to conserve heat, even when wet, a noodle belt is less restrictive and easier to wear.