Does Car Insurance Cover Blizzard Damage?

Yes, car insurance can cover damage caused by a blizzard, but only if you have the right types of coverage. Comprehensive coverage on your auto policy will pay for non-collision damage from winter storms, such as a tree limb falling on your car or hail cracking your windshield. If you slide on ice and crash into another vehicle or object, collision coverage will take care of repairs to your car. 

Basic liability insurance, however, does not cover damage to your vehicle from weather—it only covers damages or injuries you cause to others. To stay protected against Chicago’s harsh winter weather, make sure your policy includes both comprehensive and collision coverage along with the state-required liability insurance. 

Always review your policy details or consult with your agent, or call Insure on the Spot at 773-202-5060 for expert advice on protecting your vehicle from blizzard damage.

What Insurance Coverage Do I Need for Blizzard Damage?

To insure your car against blizzard damage, comprehensive coverage is a must. This type of insurance covers damage from non-collision events like weather-related incidents, falling objects, or vandalism. For example, if hail from a blizzard cracks your windshield or a tree limb falls on your car, comprehensive coverage will cover the repairs.

In addition to comprehensive coverage, it’s a good idea to carry collision coverage during winter. This coverage protects your vehicle in the event of an accident, such as skidding on icy roads and hitting a guardrail or another car. Collision insurance will cover the damage to your car, minus your deductible, no matter who is at fault. In Illinois, comprehensive and collision coverage are optional but highly recommended for winter protection.

Key Blizzard Incidents and Coverage Breakdown

As you can see, comprehensive coverage is essential for blizzard-related damage to your car, while collision coverage protects you in case of an accident due to winter weather. Keep in mind that liability insurance, which is mandatory in Illinois, will not cover your car’s damage in a storm—it only helps with others’ damage if you’re at fault.

Do I Need Special Winter Insurance or “Blizzard Coverage”?

You don’t need a separate “blizzard insurance” policy. Instead, ensure that your regular auto policy includes the proper coverage for winter-related risks. Comprehensive and collision coverage are optional but crucial if you want your own car covered in the event of a blizzard. If you have a car loan or lease, your lender might require both types of coverage. For those who own their cars outright, it’s a good idea to consider adding these coverages for better winter protection.

Additionally, winter-specific coverages like roadside assistance and rental reimbursement can be beneficial. Roadside assistance can help if your car breaks down or gets stuck in the snow, while rental reimbursement ensures you have a car to use while yours is being repaired after storm damage.

If I Slide on Ice and Crash, Will My Insurance Cover It?

Yes, if you have collision coverage, your insurance will cover damage from a single-car accident caused by ice (after you pay your deductible). If you lose control on icy roads and hit a tree or guardrail, collision coverage will pay for repairs to your car. In winter conditions, drivers are expected to adjust for the weather, so even though you might have slid on ice, you could still be deemed at fault for the accident. Collision coverage protects your car regardless of fault, but it might still affect your driving record.

In cases where you hit another vehicle while sliding on ice, your liability insurance will cover the other driver’s damages (if you’re at fault), and collision coverage will cover your vehicle’s damage. If another driver slides into you, their liability insurance should pay for your repairs.

What If Another Driver Hits My Car During a Blizzard?

If another driver loses control in a blizzard and hits your car, their liability insurance should cover your repairs, assuming they are at fault. This includes both property damage and bodily injury liability. If the other driver is uninsured or flees the scene, your uninsured motorist coverage can help pay for the repairs, or your collision coverage can cover the damage with your deductible.

In Illinois, uninsured motorist coverage is required for bodily injuries, and many policies include property damage coverage as well. If you’re hit by a snowplow or a city vehicle, you might need to file a claim against the municipality. In this case, comprehensive coverage is essential as your insurer will pursue reimbursement from the city.

How Do I File an Insurance Claim for Blizzard Damage?

Filing a claim for blizzard damage follows a similar process as any other auto insurance claim. Here’s what you need to do:

1. Document the Damage and Scene: Take photos of the damage, the location, and the weather conditions. If another driver is involved, exchange information and file a police report if necessary.
   
2. Contact Your Insurance Company: Report the claim as soon as possible, especially if it’s a widespread storm. Be prepared with details about the incident and your policy number.
   
3. Meet with the Adjuster: Your insurer may send an adjuster to assess the damage or direct you to a repair shop for an estimate.
   
4. Pay Your Deductible: For comprehensive or collision claims, you’ll pay the deductible, and your insurer will cover the rest.
   
5. Repair and Resolution: Once your claim is approved, proceed with the repairs. If your car is totaled, the insurer will pay you the actual cash value, minus your deductible.
   

Throughout this process, Insure on the Spot can help guide you with local expertise to ensure your claim is processed quickly.

How Can I Protect My Car from Blizzard Damage?

To avoid blizzard damage, here are some precautions you can take:

• Stay Off the Roads: Avoid driving during a blizzard if possible. If you must drive, check weather conditions and drive cautiously.
  
• Maintain Your Vehicle: Winter tires, good tire pressure, and a fully charged battery are essential in winter conditions. Also, ensure your windshield wipers are working and your antifreeze is at the proper level.
  
• Clear Snow and Ice: Always clear snow and ice from your car before driving, including the roof, hood, and windows.
  
• Park Smart: Park your car in a garage or covered space to protect it from falling debris and heavy snow.
  
• Prepare an Emergency Kit: Include items like a snow shovel, jumper cables, flashlight, and sand for traction in case of a breakdown.
  

Frequently Asked Questions (FAQ)

Q: Does car insurance cover blizzard and winter storm damage?
A: Yes, if you have comprehensive coverage, your car insurance will cover damage from blizzards and winter storms. Comprehensive insurance pays for non-collision damage like hail, falling ice or tree branches, and flooding from melting snow.

Q: What type of insurance do I need to cover snow and ice damage to my car?
A: Comprehensive insurance is the main coverage for snow and ice damage. Collision insurance is also important for accidents on icy roads. Together, these two cover most blizzard-related damage to your vehicle.

Q: If I skid on ice and hit something, will my insurance pay for my car’s repairs?
A: Yes, if you have collision coverage, it will pay for repairs after an ice-related accident. Without collision coverage, you would be responsible for the repairs.

Q: Will my liability insurance cover damage to my own car from a blizzard?
A: No, liability insurance only covers damage you cause to others. It won’t pay for damage to your car in a storm. Comprehensive or collision coverage is needed for that.

Q: What should I do if my car gets damaged in a blizzard?
A: Document the damage, contact your insurance company, and follow their instructions for filing a claim. If another driver is involved, exchange information and file a police report.

Q: Do I have to pay a deductible for blizzard damage claims?
A: Yes, you typically pay your deductible for comprehensive or collision claims. If another driver is at fault, their insurance may cover your repair costs without a deductible.

Q: Will a weather-related claim make my insurance rates go up?
A: Comprehensive claims for weather-related damage typically don’t increase your rates. However, at-fault collision claims may cause a rate hike. Multiple claims in a short period could also lead to higher premiums.

Q: How can I make sure I’m fully covered before winter storms hit?
A: Review your auto insurance policy to ensure you have comprehensive and collision coverage. Consider adding roadside assistance and rental reimbursement for additional peace of mind during blizzards.

Get a Quote Today!

Make sure your car is protected this winter with the right coverage. For a personalized quote or help with adjusting your coverage for the blizzard season, contact Insure on the Spot at 773-202-5060. Our team is here to help ensure you’re prepared for any winter storm.