Navigating insurance is hard enough under normal circumstances like a fender bender. It’s even more complicated when you add something like spinning out of control in the rain or over an icy road. If you have found yourself in such a situation, you’re probably asking, “Does insurance cover sliding on ice?” The answer to that is usually yes, but probably not in the way you might think.
Accidents Related to Weather
What is often frustrating about circumstances like this is that you may have been following all traffic laws and regulations when you hit a patch of ice that causes your tires to lose traction. You may feel like you aren’t to blame for the accident, but according to the experts at Moody Insurance Worldwide, an at-fault claim will be the result and you, the driver, will be the responsible party.
The way you’re covered for a slide on ice is with coverage you should already have included in your policy.
- bodily injury liability
- property damage liability
- collision coverage
- personal injury protection
Protecting yourself preemptively will give you much more comfort than suddenly facing a pile of expenses from an accident you weren’t adequately covered for. You should speak with an insurance provider to ensure that your coverage is sufficient in each of these areas if you’re worried about weather-related incidents. A qualified policy expert will put your mind at ease about any potential winter weather occurrence on the road.