Will My Insurance Cover Damage from Sliding on Ice During a Texas Winter Storm?
Winter storms in Texas are rare, but when they hit, the roads can become extremely dangerous. Many drivers don’t realize that their insurance coverage may not protect them if their car slides on ice or snow. Whether your vehicle is damaged while driving on icy roads depends largely on the type of insurance coverage you have and the circumstances of the accident.
Uninsured/Underinsured Motorist Coverage
A common misconception is that uninsured or underinsured motorist (UM/UIM) coverage will pay for any winter storm accident. In reality, UM/UIM coverage only applies if another vehicle is involved. If you lose control on icy roads and slide into a snowbank, tree, fence, or garbage can without hitting another car, this coverage typically will not apply. Insurance companies are strict about this distinction, so it’s important to understand the limits of your policy.
Personal Injury Protection (PIP)
If you carry personal injury protection (PIP), you may be able to recover medical expenses even if no other driver is involved. PIP is a no-fault coverage, meaning it covers you regardless of who caused the accident. However, PIP usually does not cover property damage, so your vehicle repairs would not be included under this coverage.
Collision Coverage
For damages to your vehicle caused by sliding on ice, collision coverage is the key. Collision insurance is designed to cover accidents where no other driver is involved, including sliding into objects, hitting a curb, or losing control on slick roads. It is generally considered a no-fault coverage, so as long as you carry it, your insurance should pay for repairs minus your deductible.
Liability-Only or Uninsured Property Damage
If you only have liability coverage, which pays for damage you cause to others, or uninsured property damage, your insurance likely won’t pay for your own car repairs if you slide on ice. This is why it’s critical to review your coverage before winter arrives and understand the risks of driving in Texas ice and snow.
