Remember that it’s not just dangerous for you - you’re putting at risk every first responder who has to come out and attempt to save you if you fall through thin ice.
I've heard many rumors over the years about what insurance will or won't cover when your vehicle goes through the ice. Rumors like, "once-in-a-lifetime coverage."
A hole appeared overnight on a lake in Minnesota. There were no signs of anyone being near it. Nobody would be fishing that close to shore. The DNR explains what likely caused it.