Car Accident From Icy Roads, Will Insurance Pay?

Car accidents are quite common, and they can happen to anyone, anywhere, and at any time. While some are unavoidable, other accidents are caused by weather conditions, such as icy roads. Houston isn’t known for frigid winters and when freezes do happen, the city isn’t prepared. If you have hydroplaned or been hit by another driver that was hydroplaning, you may be wondering whether or not insurance will cover the damage to your vehicle and pay for any injuries you incurred. In this post, we will take a closer look at the topic and provide valuable information for accident victims on whether or not their insurance company will pay.

  1. The Role of Comprehensive Insurance Coverage
    When it comes to car accidents caused by icy roads, the type of coverage you have will play a significant role in determining whether or not your insurance company will pay. If you have comprehensive insurance coverage, your insurance company will typically cover damage to your vehicle from an accident caused by icy roads. Comprehensive coverage is designed to protect against situations that are out of your control, such as theft, vandalism, and natural disasters.
  2. The Factor of Deductibles
    In some cases, if you are in an accident caused by icy roads, your insurance company may only cover the damage to your vehicle if you pay your deductible. The deductible is the amount that you pay out of pocket before your insurance company covers the rest. For instance, if the cost of repairs for your car is $5,000, and your deductible is $1,000, then you will be responsible for paying $1,000, and your insurance company will cover the remaining $4,000.
  3. Evidence of an Icy Road Condition is Needed
    In situations where the insurance company is not sure whether or not an accident was caused by icy road conditions, they may require evidence of the ice on the road. This can include photos or statements from witnesses who saw the icy road conditions at the time of the accident. It is crucial to collect all evidence that supports your claim to help make your insurance claim process easier.
  4. Consult with Insurance Provider
    If you are involved in a car accident caused by icy roads, it is best to consult with your insurance provider and inform them about the situation. They will be able to tell you what coverage you have, any deductibles you may need to pay, and what evidence you need to provide to support your claim.
  5. Alternatives if Your Insurance Company Won’t Cover
    If your insurance company does not cover the damage to your car caused by an accident due to icy roads, there may be alternative routes to receive compensation. You can sue the other driver if the accident was their fault, especially if they have uninsured or underinsured driver coverage. Additionally, you might be able to file a claim with the city or county government if the accident occurred on public roads and was caused by negligence or incompetence on their part. Talking to an experienced accident attorney at The Miller Law Firm can help you determine the best action to take for your specific situation.

Being aware of your insurance coverage is essential when it comes to car accidents caused by icy road conditions. While insurance companies can cover the cost of repairs, there may be deductibles and requirements that need to be met. Knowing all of your options can help ease the burden of financial stress so that you can recover from the accident. In summary, if you have comprehensive insurance coverage, document all evidence of the situation, and consult with your insurance provider to make the best decision for your situation. If you have any additional questions or concerns please call The Miller Law Firm at 713-572-3333.