When your car spins out on a patch of black ice, or you're trying to drive through a torrential rainstorm, you may wonder if your auto insurance policy will cover the damage if you get into an accident. Your insurance company takes many factors into consideration when determining if you are owed money, so it’s important to understand how your policy works. The general insurance agents at LightHouse Agency Inc., located in Fairfield, OH, explain if your auto insurance policy covers weather-related accidents.

It's important to examine the details of your auto insurance policy to determine whether or not weather damage is covered. If you purchased a discount insurance policy, this type of damage may not be included as a covered peril, but many other plans do offer coverage if a weather-related accident occurs.

Auto insurance policies generally do not cover weather damage that occurs while you’re not driving your vehicle. For example, if the roof of your garage collapses due to the weight of the snow, it would probably be covered under your homeowner’s insurance policy rather than auto insurance.

If your car insurance policy does cover accidents due to adverse weather conditions, you will most likely be covered if you were driving responsibly.  However, if you get into an accident because you were following another vehicle too closely or you were speeding, you might not receive any money from your claim. If your insurance company determines that the weather conditions were so unsafe that you shouldn't have been driving, they might not pay for your accident, even if the accident wasn't your fault. 

The general insurance team at LightHouse Agency Inc. is proud to offer their customers insurance plans from quality insurers such as Progressive, Ohio Mutual, and Safeco. Give their agents a call at (513) 860-9100 to receive insurance quotes, or visit their website to learn more about the motorcycle and classic car insurance policies they offer.