'Donut' try this at home: Truck ends up in icy water after joyride

Coverage Q&A: A pickup truck skid into frozen water while performing donuts in a snow-covered parking lot.

A Connecticut couple recently found themselves in need of rescue when their truck slid into partially frozen water while performing donuts. (Pictured:  Mirror Lake in Lake Placid, New York. Credit: Wangkun Jia/Shutterstock)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: Sometimes the FC&S editors get insurance coverage questions from colleagues within ALM Media. Our question this week concerns an incident that occurred near a colleague’s home.

Photo: Youtube

Question: A couple in a pickup truck was performing donuts (driving a car around in a tight circle repeatedly) in fresh snow at a parking lot when the vehicle slid off into nearby icy water, which wasn’t frozen enough to support the truck. The couple had to be rescued, and the truck retrieved from the water. How will this be covered under the auto policy? 

— ALM Colleague 

Answer: To learn the answer to this week’s coverage Q&A, please log into your FC&S Expert Coverage Interpretation account.

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