Does Auto Insurance Cover Accidents Caused by Icy Roads?

Many drivers in Texas wonder if their auto insurance will cover them after an accident caused by slippery, frozen roads. At A-Able Auto Insurance Agency, we want to help our clients understand how their auto insurance policy may respond to these weather-related incidents and what steps they can take to stay covered.

How Auto Insurance Covers Icy Roads

If you get into an accident while driving down an icy road, the following coverages may be applicable:

• Collision coverage: This can help pay for damage to your vehicle if you hit an object or another vehicle.
• Liability coverage: Texas generally requires drivers to carry minimum amounts of liability coverage, which can cover damage or injuries you cause to others. If you slide on ice and hit another vehicle, this may help pay for the other party’s losses, but not your own vehicle’s repairs.

What Texas Drivers Should Know

While insurers understand that icy roads can increase the risk of accidents, drivers are expected to operate their vehicles safely in such conditions. In Texas, insurers may determine fault in accidents involving frozen road conditions.

Additionally, for non-collision incidents, comprehensive coverage may be worthwhile. This can help cover damage to your vehicle from claims such as falling ice, hail or animal strikes. Talk to your broker about this and other options that may suit your needs and financially protect your car.

How Our Team Can Help

We can answer your questions about collision, comprehensive and liability coverage, and help you find options that fit your needs and budget. Contact A-Able Auto Insurance Agency if you’re interested in a policy review or a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.