Winter is a season that most motorists detest. Icy and slippery roads can make travel risky and increase the likelihood of being involved in a car accident. During the winter months, unfortunate myths emerge concerning insurance coverage. Most rumors are false, and believing them might cost you a significant amount of money.
The facts regarding collisions, winter weather, and auto insurance!
Your insurance premiums may increase if you are involved in an automobile accident, even if the accident was caused by weather conditions. According to a prevalent urban legend, your insurance premiums will never be influenced by such conditions. The truth is that you will still be held accountable for any injuries, property damage, or other incidents caused by your driving.
According to the Ontario Fault Determination regulations, there are no weather-related restrictions. This is crucial to keep in mind, as it determines how insurance companies evaluate incidents! If you are driving and slip on a piece of ice while on the road, it could trigger off a cascade of unfortunate occurrences. For instance, your vehicle may collide with another vehicle, rip off a road sign, and come to rest in a ditch. Even though all you did was slide on a piece of ice, you are nonetheless responsible for the resulting harm.
This holds true even if you were following all traffic laws and were not speeding when the accident occurred.
Depending on the weather, police officers may sometimes be lenient while issuing traffic citations. However, expect no further rule breaking. You should therefore carefully examine whether it is prudent to drive in snowy conditions.
Your auto insurance premiums may be affected by the type of winter tires you use. Consult with your agent if you want to save money on your auto insurance. During specific months, several insurance companies give savings to motorists who use winter tires. Winter tires feature studs that improve traction in icy and snowy conditions. This may also reduce the likelihood that drivers may be engaged in an accident.
Weather-related damage to your car may not be covered unless you have comprehensive coverage. Comprehensive insurance protects you against all types of physical damage, excluding collision. This includes damage caused by fire, theft, hail, falling objects, vandalism, animal collisions, and flooding. After paying the deductible, comprehensive insurance will repay you if, for instance, rock fragments damage your windshield. The definition of collision includes colliding with another item or overturning. For instance, if you skid into a telephone pole while driving in a severe snowstorm, you may not be able to get your automobile repaired unless you have comprehensive insurance coverage.
If your coverage only covers liability, your insurance will not pay for your vehicle’s repairs! To ensure that your insurance adequately covers you during winter weather events, you should consult with your insurance agent or broker. Always keep safety in mind during the winter months. While your insurance company can assist you with vehicle repairs, some damage may be irreparable.
In the winter, remember to drive conservatively and allow plenty time to reach your destination. You may wish to read up on winter driving skills or take a class on defensive driving during the winter in order to reduce your accident risk.