Aut cum scuto aut in scuto
In Minnesota there are environmental fines, per day as I recall, for everyday you leave your car/truck/ATV under the ice. Good fines as I recall, the idea was to make it cheaper to pay a wrecker AND a diver to get your vehicle out of the water than to pay the fines.
Minnesota is just damned cold.
Would that even be covered under your car insurance?
I'm not sure it's possible to get insurance for a Lada Niva. The only thing harder than getting insurance, is getting it to start.