Aside from cold weather and snow, the winter usually comes with an increase in motor collisions on the road. This is especially true for those living in New England as the winters can get pretty harsh. After purchasing a car, you will want to buy a car or auto insurance to protect you and your vehicle from any future incidents. However, every insurance policy is different and covers different types of incidents so you should read up on your policy before you drive in the snow this winter. We have laid out some common situations that could occur while you drive in the winter and how having car insurance can help you save money.
If Roads Are Closed
With New England known for their bad winters, there are going to be points where roads will be closed due to bad weather conditions. If this is the case, just stay home and wait until the weather gets better and the roads are cleared. Not only is it dangerous, but insurance companies may have grounds to deny any claim you can file due to an accident. An example is if you drive still after roads are declared closed, the insurance company can say you were committing “contributory negligence.” While this probably won’t happen, it is good to keep in mind that due to certain instances, a claim could be denied so it is better to be safe than sorry.
A Tree Damages Your Car
Far too often we hear of stories of people being denied claims because insurance companies not having to cover for natural occurrences. If you are wary of this, then you might want to see if your insurance agency offers comprehensive insurance. This is an additional policy that goes with your car insurance that covers damages to your car that is out of your control. This usually includes falling trees, baseballs hitting your car if you drive by a game, hail, etc.
You Skid & Hit a Building or Car
More often than not, accidents in the winter usually consist of a car skidding on ice and then crashing into a building or parked car. The good thing is that if this happens then your property damage liability insurance will take care of it. Since property damage liability is mandatory in every state, as long as you have car insurance you won’t have to worry about paying for any damage costs.
A Car Skids Into Your Parked Car
If this situation happens to you and you are not around to talk with the person who hit your car then you have a couple of options. The first is to file a claim against that person’s property damage liability insurance. The second, if you have collision insurance, is to file a claim through that but the only downside is that your rates may go up. This is why we recommend filing through property damage liability insurance.
You Skid On Ice and Injure Yourself
If you encounter a situation where you skid on ice and are harmed by the snow that caused the accident then you will be covered by either personal injury protection or your health insurance. Personal injury protection (PIP) is a coverage, mandatory in 15 states, that takes care of injury costs from a car accident no matter who is at fault. With a standard car insurance policy, and depending on where you live, you may not be covered for your injuries. Knowing this, you should talk to your insurance agency to see if they provide PIP and have it added on to your overall coverage.