You will need to read through the terms of your auto insurance policy and speak to your insurance agent to find out if a claim for damages your car sustained in an accident during a state of emergency will be accepted or denied by your insurance carrier.

Typically, such a situation would be covered by your auto insurance policy. There may be exceptions to these general rules, so you should contact your Indiana insurance agent or claims representative as soon as possible to report a loss and find out if an accident that occurred would be covered.

So without knowing the details of your policy we can only tell you that ultimately whether an accident that took place during a declared state of emergency would be covered by your auto insurance carrier would be determined by the terms and exclusions on your policy.

It sounds as if you may have been driving from Indiana to Kentucky for work purposes but remember normally during a state of emergency cars are warned to stay off the roadways due to snow, ice, blowing snow, etc that makes it difficult to control your car and see other drivers. If at all possible you do not have to drive during a state of emergency you should stay off the roads so that the snowplows can clear the roads and that emergency vehicles can have interrupted use of the roads to help those in need.