Here’s what to do if you’re in a crash due to winter weather

If you find yourself in a crash due to winter weather, it’s important to stay calm and take the necessary steps to ensure your safety and the safety of others. Here’s a step-by-step guide on what to do if you’re in a crash during winter conditions:

1. Stay Calm:

   – Take a deep breath and try to remain calm.

   – Check yourself and others for injuries. If there are injuries, call for emergency medical assistance immediately.

2. Move to a Safe Location:

   – If possible and it’s safe to do so, move your vehicle to the side of the road to avoid blocking traffic.

   – Turn on your hazard lights to make your vehicle more visible to other drivers.

3. Call the Police:

   – Contact local law enforcement to report the accident. Provide them with accurate details about the location, the number of vehicles involved, and any injuries.

4. Exchange Information:

   – Exchange information with the other parties involved, including names, addresses, phone numbers, insurance information, and vehicle details.

   – Take note of the make, model, and license plate numbers of all vehicles involved.

5. Document the Scene:

   – If it’s safe, take pictures of the accident scene, including vehicle damage, road conditions, and any relevant road signs or signals.

   – Record the names and badge numbers of responding police officers.

6. Do Not Admit Fault:

   – Avoid admitting fault or making statements that could be interpreted as an admission of guilt. Stick to providing factual information.

7. Contact Your Insurance Company:

   – Report the accident to your insurance company as soon as possible. Provide them with the details of the accident and any other information they may require.

8. Seek Medical Attention:

   – Even if injuries seem minor at first, it’s important to seek medical attention promptly. Some injuries may not be immediately apparent.

9. Follow Up:

   – Follow up with your insurance company and keep track of any medical treatments or repairs to your vehicle.

10. Be Cautious in Extreme Weather:

    – If the weather conditions are severe, and it’s not safe to remain in your vehicle, consider seeking shelter while waiting for assistance.

Remember, safety is the top priority. Following these steps can help you navigate the aftermath of a winter weather-related crash and ensure that you take the necessary actions to protect yourself and others involved.

Does auto insurance cover crashes due to winter weather?

Auto insurance typically covers crashes due to winter weather, but the specific coverage can vary depending on the policy and the insurance company. Here are some common types of coverage that may come into play in winter weather-related accidents:

1. Collision Coverage: This type of coverage helps pay for repairs to your vehicle if you collide with another vehicle or object. If you skid on icy roads and hit a tree or another car, collision coverage may apply.

2. Comprehensive Coverage: Comprehensive coverage protects against non-collision events, such as theft, vandalism, or damage from natural disasters. If your car is damaged by a falling tree branch, hail, or other winter-related incidents, comprehensive coverage may come into play.

3. Liability Coverage: Liability coverage is usually mandatory and covers bodily injury and property damage that you may cause to others in an accident. This coverage does not typically cover damage to your own vehicle but is essential for covering the costs of others involved in a collision.

4. Uninsured/Underinsured Motorist Coverage: This coverage may come into play if you are in an accident with a driver who lacks insurance or has insufficient coverage.

5. Medical Payments Coverage or Personal Injury Protection (PIP): These coverages can help pay for medical expenses for you and your passengers, regardless of who is at fault in an accident.

It’s crucial to review your auto insurance policy and understand the specific coverages you have. If you live in an area with harsh winter conditions, you might want to consider additional coverages or higher limits to ensure adequate protection. Additionally, some insurance companies offer optional coverage specifically for winter-related incidents, such as coverage for damage caused by ice, sleet, or snowstorms.

Always consult with your insurance agent or company to clarify the details of your coverage and ensure you have the protection you need for winter weather-related accidents.