It will ultimately be determined by the terms and exclusions on your policy if an accident during a declared state of emergency would be covered by your auto insurance carrier.

Typically, such a situation would be covered by your auto insurance policy. There may be exceptions to these general rules, so policyholders should contact their insurance agent or claims representative as soon as possible to report a loss and find out what is covered.

Articles in our Learning Center, such as Simple Steps to Filing Your Car Insurance Claim, may be of help to you at this time.