Does Comprehensive Insurance Cover Skidding on Ice?

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

About the Author

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.

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