Accidents Caused By Black Ice: Does car insurance cover it?
A car accident caused by black ice will be covered if you have full coverage car insurance. Liability car insurance will not cover a car accident due to black ice if you are the only driver involved, damages to your car will only be covered by collision coverage.
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UPDATED: Jan 21, 2021
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- Black ice can contribute to accidents
- Accidents due to black ice are covered
- Liability coverage will not provide protection if you damage your vehicle because of a black ice slide-off
- You may want to consider comprehensive and collision coverages if you want to be covered for black ice incidents
If you get into a car accident while on black ice will your car insurance cover it? Well, car insurance is often seen as a necessary evil, but it really isn’t. It is necessary, but it is meant to protect you from financial ruin.
With car insurance, you are essentially paying the insurance company to assume the risk for you. If you assume the risk yourself, you will be financially responsible for all costs. Most people do not have the money necessary to do this, so insurance is the only option.
Winter driving can be tough, but it can be easier when you follow a plan. Prettymotors does a great job outlining at 10 step plan to prepare yourself for a winter road trip. Drivers in the north will tell you that black ice is truly evil. It’s an often invisible layer of slippery ice just waiting to sneak up on winter drivers and take control right out of their hands.
Most comprehensive and collision policies will help cover this occasion, but it’s always wise to look at the specifics of your policy. Details on this coverage are offered below.
Most states require individuals to carry liability insurance in order to drive a vehicle. Some states will allow the driver to provide proof of financial responsibility in order to opt out of insurance.
If you live in an area that experiences snow and ice, you must remember, minimum liability coverage does not apply to damage to you or your vehicle from black ice.
For the average driver in America, car insurance is a necessity and as such, you want to make sure you have the coverage you need.
Car Insurance Basics
When considering car insurance there are some basics that you should be aware of.
- Comprehensive coverage – First of all, you need to decide if you want comprehensive coverage or just collision. Comprehensive coverage provides protection from damage caused by natural disasters, collision with other objects, damage from vandalism or theft, and other unforeseen damages that may occur.
- Deciding to carry comprehensive coverage may not be up to you. If you are still making payments on your vehicle then your loan holder may require you to carry comprehensive coverage.
- It is a good idea to carry comprehensive coverage if your vehicle is new or worth a lot of money. Since comprehensive coverage includes all types of damage to your vehicle, you are covered if your accident occurs on black ice or in any other type of weather related incident.
- Collision coverage – This does what its name implies; it covers you if your vehicle collides with something. This could be another vehicle, a house, a guardrail, a tree, or another object. Since collision covers colliding with an object for any reason, an accident on black ice would be covered as well.
Within comprehensive and collision coverage come many other options. You can add things such as:
- roadside assistance
- rental car coverage
- personal liability increases
An insurance agent can help you customize your plan to fit your lifestyle, needs, and driving habits. You don’t have to take a standard package. You can add or take away from a policy according to what coverage you feel you need.
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Whether you have comprehensive insurance or collision insurance, you need to choose the right deductible. Deductibles range anywhere from $200-$3,000 or even higher.
The deductible is the amount you pay out of pocket before the insurance company pays. The insurance company will not pay anything towards damages, including those received as a result of a car accident on black ice, until you pay your deductible.
Because of this, when you choose your deductible, you should choose one that you can afford. It is wise to even put the money aside so, should it be necessary, you have the money available.
If you can’t pay your deductible, your insurance company can’t help you. Choosing a higher deductible will save you money on your monthly premium, but you need to be sure you can pay the deductible.
In addition to considering what you can afford, your deductible should also be chosen based on the value of your vehicle and how much you want to pay in monthly premiums.
Choosing an Auto Insurance Company
Once you understand the basics of car insurance and know that you will be protected on black ice or in any other situation, it is time to choose an insurance company.
The most efficient way to do this is to compare policies and rates. Comparing rates online with an online comparison tool is a great way to see what many different companies have to offer all in one place.
Our auto insurance comparison tool allows you to put your personal information and vehicle information all in one place and then receive quotes from several companies.
This will help you make the right car insurance decision. Remember to consider all the information before deciding which company to go with.