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Extreme winter conditions can make it seem like the weather has suddenly taken control of your car, leaving you as a helpless witness as your car slides downhill or spins out of control on the ice. Properly winterizing your car and exercising caution on the road can prevent most accidents, but bad visibility combined with hazardous road conditions makes some inevitable. Lighthouse Agency Inc., a general insurance agency in Fairfield, OH, recommends checking to see what damages are covered if you are involved in a weather-related accident.

Most auto insurance policies will offer some provisions that cover accidents caused by bad weather that you simply couldn’t avoid. However, double-check your policy if you live in an area with harsh winters because some insurers, particularly those who specialize in low-cost discount policies, may not cover any weather-related damage at all. Also check to see if your policy has exclusions for certain types of weather.

Bad weather is not a guarantee that your insurer will cover any damage that results from an accident in a snowstorm. If they determine that you were driving carelessly, especially if you received a ticket as a result of the accident, they may not cover the accident at all. Check to see what driving practices your policy considers safe and acceptable, and whether it covers single-car accidents at all.

An experienced insurance agent can explain the fine print of car or homeowners insurance policies for you. Get in touch with the Lighthouse Agency Inc. at (513) 860-9100 or visit online for more information about their wide range of services.  

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