Much of the nation lives in areas with snowy driving conditions, so it’s wise to be aware of the role car insurance plays if you have an accident during the winter.
Nearly 70% of the population lives in snowy regions, and more than 70% of the nation’s roads are located in snowy areas, according to the U.S. Department of Transportation Federal Highway Administration.
How winter weather affects your driving
Winter weather creates challenging conditions for drivers, including icy roads, snowstorms, and reduced visibility. These hazards increase the likelihood of accidents, making it crucial to adjust your driving habits during colder months.
Slippery surfaces can double stopping distances, and black ice can appear unexpectedly, catching even the most experienced drivers off guard. Preparing your vehicle with proper tires, ensuring brakes are functional, and practicing defensive driving can significantly reduce risks in winter conditions.
How many winter weather car accidents occur?
Wintry conditions cause a fair amount of crashes and fatalities:
- 24% of weather-related vehicle crashes occur on snowy, slushy or icy pavement each year, according to FHWA.
- 15% happen during snowfall or sleet.
- 1,300 people are killed and more than 116,800 people are injured in vehicle crashes on snowy, slushy or icy pavement annually.
- Nearly 900 people are killed and almost 76,000 injured in vehicle crashes during snowfall or sleet yearly.
How car insurance comes into play in a winter weather car accident
If winter road conditions cause you to have an at-fault auto accident, then your state-mandated liability coverage will cover those that you harmed. Your property damage liability will cover someone else’s car or other property (such as a guardrail or fence) that you damaged.
In no-fault states, each party’s personal injury protection (PIP) coverage would be used for injuries. If you were at fault for injuring someone else and that party’s PIP limits are exceeded, your bodily injury liability coverages could be claimed against.
Why full coverage car insurance is essential for winter
Winter driving increases the chance of accidents and vehicle damage, highlighting the importance of having comprehensive car insurance. This type of coverage can protect you from costly repairs due to collisions, weather-related incidents like hail, or even a tree falling on your car during a snowstorm.
Comprehensive insurance, also optional and carrying a deductible, would cover damage to your car from falling objects, say if an icicle fell on your vehicle.
You’d need collision coverage for your own vehicle to file a claim with your insurer. Collision insurance is optional, so you must have this as part of your policy before filing a claim.
After paying your deductible, your car insurance company should pay the remainder of the repair costs. Or, your insurer may find that the car is a total loss and pay you the actual cash value for the vehicle minus your deductible amount.
Typically, if you’re the one who lost control – even if it were due to a weather-related condition like black ice – you’ll be found at fault by insurance companies for the accident. Your rates could rise due to a surcharge at your next renewal.
Additionally, uninsured motorist coverage can provide peace of mind if you’re involved in an accident with a driver lacking sufficient insurance. Review your policy before winter to ensure you’re adequately protected against seasonal hazards.
Tips for filing car insurance claims after winter car accidents
If you experience an accident or vehicle damage during winter, filing a car insurance claim promptly is essential.
Begin by documenting the damage with photos and gathering relevant details, such as the time, location, and any other parties involved. Contact your insurance provider to report the incident and follow their instructions to expedite the claims process.
Being proactive and organized can help ensure you receive the necessary support to repair your vehicle and get back on the road safely.
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Laura Longero
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Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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