Driving in winter weather brings a unique set of challenges no matter how cautious you are. Road conditions can change quickly and cause you to lose control of your vehicle. One of the ways this can happen is by sliding on ice. This can be a helpless feeling especially if it causes an accident. You may have questions such as whose fault is it or is there “sliding insurance”?
First of all, the fault will definitely lie with you no matter how safe you were being. There is no special insurance for sliding on ice but you need to make sure your insurance policy has coverage for all the things that can happen.
Damage to Your Car
This is covered by the collision portion of a policy. It would cover you the same way whether you slid on ice or not.
Damage to Something Else
Property damage liability is typically required by states and covers damage to other cars and objects. Be careful though, as the bare minimum coverage you can select may not be enough for all accidents.
Injury to Yourself
Medical payments and PIP will alleviate some costs in this case. Again, coverage levels can vary based on your policy and other factors.
Injury to Others
Bodily injury liability will protect you up to the limits on your policy. This provides coverage whether you harm someone in another vehicle or a pedestrian.