Know your insurance coverage before taking a vehicle out on the ice

I recently saw a photo of an airplane that landed on the ice of a frozen lake and then skidded onto thin ice where it nosedived into the water below. 
Until then, I’d never even heard of a plane landing on an ice-covered lake, but I suppose in “up-north” areas where lakes seem to be ice-covered more than they are open water, it happens frequently. I’ve seen dozens of photos of cars, trucks, snow machines and ATVs that took the plunge.