Will My Insurance Cover Injuries in a Texas Winter Storm When No Other Vehicle Is Involved?
Texas winter storms can create extremely dangerous driving conditions, especially for drivers who are unprepared for ice, snow, or sleet. If you are involved in an accident where no other driver is involved—for example, sliding into a snowbank, tree, or guardrail—it’s important to know how your insurance coverage works.
Why Uninsured or Underinsured Motorist Coverage Usually Doesn’t Apply
Uninsured or underinsured motorist (UM/UIM) coverage is designed to protect you only when another driver is at fault. If you crash during a Texas winter storm and no other vehicle is involved, UM/UIM coverage generally will not pay for your injuries.
Personal Injury Protection (PIP) May Offer Coverage
If your policy includes personal injury protection (PIP), it can cover medical expenses regardless of fault. Because PIP is a no-fault coverage, you may be able to recover for injuries even if the accident was caused solely by icy roads or your own driving.
Collision Coverage Protects Your Vehicle
When it comes to property damage, collision coverage is essential for accidents where no other driver is involved. Liability coverage will typically not pay for repairs to your own vehicle in these situations. Collision coverage, however, can help cover repair costs regardless of who caused the accident.
