Will insurance cover a car that rolls into a lake while unloading a boat?

do you have comprehensive coverage? that is the coverage that covers the peril of flood which is what this would be....the claim will be investigationed re: what caused vehicle to go into the water......beware....(and i am not saying this is your motive), but i have investigated many of these types of claims that were ulitmately denied because it was proven this was done (vehicle in the lake) on purpose to get out from under the loan, by totaling the vehicle (vehicle will total when water reaches the dash, some times lower).......then the person has a totaled vehicle, still owes the loan, and in some cases an insurance fraud charge to boot !!!