Winter-Related Auto Insurance Claim
USA Auto insurnace article:
How to file a winter-related auto insurance claim?
Your automobiles slides down your icy driveway into the road.
President of B&B Premier Insurance Solutions Inc. in Agoura Hills, Calif., says this type of claim would be covered under the collision portion of your auto insurance policy.
“Many insurance companies would consider this a chargeable accident, even though there was no driver in your automobile,” he says. Keep in mind that you’d have to pay your collision deductible. And, of course, this claim could jack up your car insurance rates.
You ditch your automobile in the snow.
If you’re stranded in a snowstorm and have to abandon your automobile on the side of the road, a claim for towing would be covered if your insurance policy includes towing, says insurers, an insurance agent.
“Most companies pay for all or part of a tow bill, regardless of the circumstances, if you carry that coverage,” Insurance broker says. “You’d have to pay a deductible if your insurance policy calls for one.”
If you don’t have towing coverage through your car insurance policy or another option like AAA, you could be looking at paying hundreds of dollars out of your pocket.
If your stranded automobile is involved in a hit-and-run accident while it’s on the side of the road or in the parking lot where you left it while riding out a storm, insurance broker says your optional collision coverage should cover the damage. In this case, your deductible would apply. This type of claim could hurt your auto insurance rates if it’s not the only claim you’ve filed in the past three years.
You damage your automobile by using a lighter to unfreeze the locks.
As long the damage wasn’t intentional — you tried to torch your automobile for the insurance money –Ward says the claim would fall under optional comprehensive coverage. If not, you could face hundreds or perhaps thousands of dollars in bills to fix your automobile.
Ward offers this advice for anyone who might have to fight frozen locks: “Purchase deicer for about $2.50 to break up any ice that might clog your locks.”
When the mercury dips and Jack Frost nips at your nose, your car could wind up in some wicked situations, such as being stuck in a snow bank. Naturally, you might look to your auto insurance to spare your budget from being buried under a pile of automotive bills.
But not all wintertime scenarios are covered by your car insurance. And even if a snowy scenario is covered, filing a winter-related claim could freeze you out of low rates.
Here’s a look at what your auto insurance may – or might not – cover in the winter.
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