We assume you are referencing our answer to this question: How do points affect your insurance rates?
The insurance company determines which infractions, incidents, or violations that they classify as a No Charge Violation. To give you better reference, here is a list of violations that one company has selected as no-charge violations in their rating algorithm in some states:
- Car Pool Lane Violation
- Defective Equipment
- Expired Tag
- Open Container (Passenger)
- Suspended And Reinstated License
- Other Vehicle Rear Ended You
- Other Vehicle Backed Into You
- Other Vehicle Hit Your Vehicle
- Other Driver Ran Sign/Signal
- Other Driver Was Cited For Violation
- All Other Not At Fault
- Broken / Damaged Windshield
- Theft of Vehicle - Full loss
- Theft of Vehicle - Partial loss
- Vehicle Fire
- Vandalism Damage
- Hit Animal
- All Other Non-Accident Losses
Insurance companies definition and determination of an offense or incident as a no charge violation can differ according to their own internal rating system and guidelines. To see if your specific situation of sliding off the road due to inclement weather would be considered by your insurance provider as a no charge violation or not speak with your insurance agent.
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