Will My UM/UIM Coverage Pay for Vehicle Damage in a Texas Winter Storm?
Texas winter storms can make driving extremely hazardous, especially on icy or snowy roads. If your vehicle is damaged in a winter storm without contact with another driver—for example, sliding into a snowbank, tree, or guardrail—it’s important to understand how your insurance coverage works.
UM/UIM Coverage Usually Doesn’t Apply for Property Damage
Uninsured or underinsured motorist (UM/UIM) coverage is designed to protect you only when another driver is at fault. If your car is damaged during a Texas winter storm without another vehicle involved, UM/UIM coverage generally will not pay for repairs.
Personal Injury Protection (PIP) Can Cover Medical Costs
If your policy includes personal injury protection (PIP), it may cover your medical expenses even if you are at fault. PIP is a no-fault coverage, meaning you can recover for injuries without relying on another driver’s liability.
Collision Coverage Is Key for Vehicle Damage
When it comes to your car, collision coverage is the type of insurance that typically applies if you damage your vehicle during a winter storm and no other driver is involved. Liability coverage generally will not cover your car, while collision coverage can help pay for repairs regardless of fault.
