Winter Car Insurance Rules

There will be more snow this winter than last year. Drivers need to be on high alert. Between 2011 and 2015, about 10% of all fatal accidents occurred in inclement weather. Get prepared for the winter roads to come with these winter car insurance tips.

Stay home when roads are closed.

If the roads are closed due to a storm, stay home. While this may seem like a no-brainer, many drivers ignore warnings. Whether there’s an important meeting at the office or need to run to the store for a few necessities, there no reason worth risking the roads during a winter storm. Car insurance companies can deny your claim if you file due to an accident that occurred while roads were closed. If roads are closed by the government, and you board your vehicle, your auto insurance provider can say you were committing “contributory negligence.”

What if a tree or snow damages my car?

Mother nature can strike at any time, and in some cases she may decide to strike your vehicle. If you have comprehensive insurance coverage, you should be covered. Comprehensive auto insurance coverage is an optional part of an auto insurance plan that covers damages to your car caused by forces outside of your control. If a falling tree, hail storm or baseball cause damage to your car, comprehensive coverage will take care of the costs associated with repairs. If you don’t have a comprehensive insurance policy, you won’t be covered if this type of damage occurs. Ask your insurance provider about comprehensive insurance coverage, or apply for a quick online insurance quote from Insurance Best Prices. Comprehensive coverage can cost less than $100 per year, for drivers with good driving records.

What should I do if my car skids into a parked car or causes property damage?

If you find yourself on the roads during a storm, and skid into another car or cause property damage, your property damage liability insurance will cover the costs. Property damage liability is a mandatory part of auto insurance plans in every state. If you have car insurance, you won’t have to worry about the costs. Policy holders don’t pay anything out-of-pocket as long as the damage costs are under the limits of your PD. If you crash into property when no one is around, leave a note with your policy information. Failing to do so is a felony, and will disqualify you from using your auto insurance to cover costs.

Lack auto insurance coverage? Protect yourself with comprehensive auto insurance coverage. Apply online today, and find an affordable auto insurance plan that meets your needs.