Chuck,
You don't explain it to the insurance adjuster because they use the "Act of God" clause and weasel their way out of it!
Those vehicles are also probably getting fined by the state and the EPA to the tune of $2500-$7000 a day for polluting the water plus the recovery fee!
I used to use an old honda 250 three wheeler to pull my stuff out on the ice. Had a nice portable two man "clam". Its a good time going ice fishing. But my hands couldn't take it anymore, too cold some days.
Seen plenty of vehicles go through over the years. The worse thing you can do is floor it. Just gradually increase the throttle and more than likely you will make it not unless you get into a "big" thin spot.
My $0.02
Lars
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