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10 winter driving woes: Am I covered by my car insurance?


SnowplowWinter brings plenty of hazardous driving conditions. If you’re unfortunate enough to have a mishap, once you’re over the initial drama, the next thing you may be wondering is: will my car insurance cover me? Here we explain how car insurance can help.

In most cases, optional collision coverage will repair any damages to your car coming from a weather-related accident. Your liability coverage would pay for damage you cause to other cars. Comprehensive insurance, which is also optional, comes into play when your vehicle is hit by hail or a snow-heavy branch dents the hood.

"If you're behind the wheel during a snowstorm and slide on ice and crash, then it would be a collision claim for your car's damages," explains Penny Gusner, the consumer analyst for Insure.com. "Collision covers your vehicle, minus your deductible, when it hits, or is hit by, another vehicle or object. But if a storm causes a monster icicle to fall on your car, smashing the windshield, then comprehensive would cover the damage, again minus your deductible."

These optional coverages are fairly affordable. The average yearly cost for collision is $297; for comprehensive, it’s $139, according to the Insurance Information Institute (III).

Here are 10 seasonal scenarios, with what you should know about insurance:


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