Can You File A Winter Auto Accident Claim?
Depending on conditions and varying from situation to situation, law and policy behave differently. That can get extremely tricky and often troublesome if you don’t know and thoroughly understand the minor technicalities. Laws and clauses surrounding winter auto accident claim also work in the same fashion. A policy that might be serving your interests best in one situation may be a reason for your loss in another.
While the winter may come with its own joys and delight along the festive season, it brings a lot of risk and dangers for vehicles and their drivers on the roads. The chances of accidents rise exponentially. Each year, over 1300 people lose their lives in the US, and 116,800 people get severely injured in the winter months due to ice, snow, and sleet.
But is an insurance claim going to help you cover auto accidents in winters? Keep reading to understand how these policies work.
Filing A Winter Auto Accident Claim
After every accident, the affectee instinctively turns to their insurance provider to cover damages. And, yes, you can file a winter auto accident claim. But to know what happens next, you must understand the following technicalities.
When You or Your Passengers Sustain Injury
Also known as No-Fault Insurance, a PIP covers damages for bodily injuries that occurred to you or your passengers. Under policy limits, your PIP insurance should cover the medical expenses for your injuries and your passengers.
When Your Car is Damaged
When you crash or damage your car due to a winter accident, you can claim damage coverage ONLY if you’ve purchased collision coverage insurance. That policy (within policy limits) should be enough to pay for your repairs and placement costs.
When Other Drivers Sustain Injury
When drivers in other cars, along with their passengers or even pedestrians, sustain bodily injuries, your bodily injury liability (within policy limits) should cover medical expenses of the other parties and make up for their lost wages.
When Others’ Property Is Damaged
In many states in the US, the property damage liability helps pay for damages caused to other people’s vehicles or public property like mailboxes, trash cans, etc.
These are the kind of damage coverages that an insurance policy may cover depending on which kind of coverage your respective states have made mandatory for you.
Points To Remember
An insurer will never blame the weather for an accident and will instead blame the two involved parties. You’re safe if you can manage to prove the other party’s negligence and if not, then staying away from the roads in harsh weather conditions is your strongest defense.
Choose Corradino & Papa, LLC For Handling Auto Accident Claims.
Have you been involved in a snow car accident? If so, let the experienced attorneys at Corradino and Papa, LLC, assist you in seeking the insurer’s help and fighting for a fair settlement. Contact us today for a free consultation.