The winter season is always long and challenging. Drivers, in particular, will have a hard time because of icy road conditions, which can be very dangerous. It is possible for your vehicle to lose traction in these conditions, which can lead to an accident and damage to your car. If you are ever in this situation, you will want to submit a claim for the damages through your insurance. The type of insurance coverage you have will dictate whether or not you are able to claim for accident-related damages. This is especially true if the car accident was the result of snow or black ice.
Does My Insurance Cover Winter Accidents?
Not every type of insurance will cover snow and black ice accidents, so you have to be aware of this information. The good news is that there are types of insurance coverage that can provide you with this kind of protection. Canadians experience harsh winters, so it would be wise to consider additional types of coverage so that you are protected in these situations.
The harsh winter weather will usually lead to an increase in car accidents and you want to make sure you deal with an insurance company that can support you in the event of a claim. It is your responsibility to drive safely and responsibly on icy roads and having winter tires not only can provide you with insurance savings, it can provide you with better traction while winter driving. If you end up in a collision due to black ice, it is possible for the insurer to still find you at-fault. If it is determined that your negligence was the cause of the accident, you may be liable for damages caused to other people.
Call a Reliable Insurance Broker
In order to avoid misunderstandings, you need to speak to your insurance company to confirm what your policy covers regarding accidents that are caused on snow or black ice surfaces. Different companies will offer different types of coverage. If you have collision insurance, you will likely be covered, although this will depend on who’s at fault. Collision coverage will normally protect you from paying out-of-pocket expenses in the event of an unforeseen car accident but if it was your negligence behind the wheel that caused the accident, then your claim may be denied.
Liability coverage is another common one that would protect you in the event that another driver is injured. Comprehensive coverage is another option you should look into because this will provide you with additional coverage that is not generally included in standard policies. Full coverage car insurance would be ideal, so look into this policy as well.
The team at Leibel Insurance Group can provide you with details regarding your policy so that you are fully aware of your coverage. We want our clients to feel comfortable and informed when it comes to car insurance, so we will discuss the policy that would be best for you and will present additional coverage options if you require further protection. If you are looking for fair auto insurance quotes, contact us today at 1-866-484-8880!