Comprehensive auto protection generally covers any type of event causing damage to your vehicle beyond a collision. Sometimes, the events covered by collision and comprehensive policies can get tricky. A July 2011 Lyles Insurance article indicates the general rule of thumb is that comprehensive covers things beyond your control. However, collision policies typically cover accidents resulting from skidding on ice.
Coverage Details
Even though skidding on ice may seem out of your control, you can control your tire condition, speed and driving practices. Your collision policy should cover damages to your vehicle resulting from an accident caused by ice. If you strike another driver, your liability coverage should pay for health costs and damages you cause to the other party.
References
- State of Oregon Insurance Division: Winter Weather and Auto Insurance Claims
- Lyles Insurance: Auto Insurance: Difference Between Comprehensive and Collision Coverage
- Insurance Information Institute. "Auto Insurance Basics—Understanding Your Coverage." Accessed Sept. 22, 2020.
- Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed Sept. 22, 2020.
- Nationwide. "Do I Need Collision Insurance?" Accessed Sept. 22, 2020.
- Consumer Financial Protection Bureau. "What Is Force-Placed Insurance?" Accessed Sept. 22, 2020.
- Progressive. "What Is Collision Coverage?" Accessed Sept. 22, 2020.
- Insurance Infomation Institute. "What Is Covered by Collision and Comprehensive Auto Insurance?" Accessed Sept. 22, 2020.
Writer Bio
Neil Kokemuller has been an active business, finance and education writer and content media website developer since 2007. He has been a college marketing professor since 2004. Kokemuller has additional professional experience in marketing, retail and small business. He holds a Master of Business Administration from Iowa State University.