Sliding on Ice and Car Insurance Claims

Car Slid Off the Road Into a Snow Bank
Yellow Dog Productions/Getty Images

Sliding on ice is often a scary and frustrating situation. Many drivers feel they are driving cautiously for the road conditions but still can not maintain control of their vehicle. Sliding on ice can cause a lot of damage. Damage can occur in many different forms.

After a sliding on ice accident, ​many people are left wondering if their car insurance will cover the damages.

Will your selected car insurance coverage be enough? Take a look at how each type of damage would be covered. 

Let's get one thing out of the way real quick. If you slid on ice and hit another car or any object for that matter, it is definitely considered an at-fault claim by your insurance carrier. It does not matter if the police officer let you go without a ticket, someone is at fault and it's not going to be the ice. Driving too fast for conditions is usually the given reason. Sometimes it does not even matter if you were driving at a snail pace, being on the roadway is at-fault reason enough. I did mention, in the beginning, these claims are often frustrating. 

Injury to Others 

If another "party" in another vehicle or a pedestrian is injured due to your vehicle sliding on ice, your bodily injury liability coverage will cover the loss up to your policy's listed limits. Limits are listed per person/per accident, for example, your policy may have limits of up to $25,000 per person / and up to $50,000 per accident.

Injury to Yourself or Passengers

Medical Payments or PIP coverage would apply to injuries sustained to yourself and other passengers. Coverage levels will vary greatly depending on where you live and the coverage you selected. Some PIP policies cover lost income, rehabilitation costs, and more.

Damage to Your Vehicle

If you are hoping your car insurance will cover the damage sustained by your vehicle after hitting a patch of ice, you had better have collision coverage.

Collision coverage would be the coverage you need whether you hit a guard rail, another vehicle, a mailbox, or any other inanimate object. Plan on paying your deductible before any dollar amount is paid out.

Damage to Another Vehicle and Property Damage

Property damage liability pays out in most states whether the damage is to someone else's vehicle or a mailbox, or a stop sign. Pretty much every state requires some property damage liability coverage. The lowest coverage amount coming from New Jersey and Pennsylvania with a minimum requirement of $5,000 on property damage. As you can see, the minimum may very well not be enough.

Most drivers feel they are not at-fault after sliding on ice. It does feel unavoidable. If you live in a northern state you know all too well how easy it can happen. Your best defense against sliding on ice is staying off the road. If you do have to get out there, make sure to leave plenty of space between you and the car in front of you. Also be sure to drive at a speed you know gives you control over your vehicle. Never slam the brakes and learn how to maneuver out of a skid.​

Towing Claim

Sliding on ice often results in needing a tow. Depending on how your car insurance policy is set up, it might provide coverage for a tow or the cost of pulling you out of the ditch.

Call your car insurance agent to verify your coverage. Sometimes a claim can be filed at the time you need the tow and you can avoid paying any money out of pocket.

*Singled Out Again: Michigan residents check out how collision claims and injury claims are handled in your state.

More Help With Claims