It is a scary feeling to be involved in an accident at any time of the year. Adding winter weather into the equation adds another aspect to driving that increases risks. When driving in less than ideal conditions, you may encounter scenarios that put you in positions with less control. When it comes to auto insurance it’s important to know how such accidents are viewed from a claims perspective.
Who is to Blame?
Accidents caused by sliding on ice or snow are handled the same as any other collision in terms of your insurance policy. However, there are two notable things to be aware of when you find yourself in this situation:
- According to Moody, if your vehicle was the one that slid and suffered a loss of control, then most likely you will be considered the at-fault party.
- In many cases, a driver will also be hit with the traffic violation of driving too fast for conditions. Even though you may have been going the speed limit, when winter weather is present it is your responsibility to slow down to a safe speed that you and your vehicle can handle.
Snow and ice are sometimes an unfortunate underlying factor in automobile accidents. Understanding how this may affect insurance premiums is important to know before getting behind the wheel.