Yes, it is covered on one of those. Each car insurance policy is different and defined by each state law and/or company filing guidelines so you will need to read through the terms of your policy and speak to your agent and/or claims adjuster to find out if sliding off of an icy roadway is considered by their guidelines to be a collision or comprehensive claim. That being said in general damage done by sliding off an icy road and colliding with something - a ditch, pole, car, guardrail, etc. - would be considered a collision claim. Comprehensive is then defined as anything Other Than Collision (OTC).

As we mentioned state laws differ as do insurance carrier's guidelines so as an example, one Florida Auto Policy defines a "Collision" to mean the impact of your insured car with another object or upset of your insured car.

Collision coverage is intended to cover things that your vehicle strikes while Comprehensive coverage is intended to cover things that strike your vehicle. Comprehensive is supposed to cover un-excluded loss other than collision or overturn.

It can be difficult to determine which occurrences are covered by collision and which is covered by "other than collision" (comprehensive) when discussing objects. If you drive straight off the roadway into a ditch your loss is a collision even though the ditch is a stationary object.

Occurrences like theft, vandalism, falling objects, hail, water, wind and striking animals fall under comprehensive BECAUSE they do not fall under collision coverages.

We careful when driving in winter weather since it can be dangerous and easier for an accident to occur on an icy road. Get free auto insurance quotes here for your car insurance needs.