Winter & Car Insurances - What You Should Know - Baltimore Post-ExaminerBaltimore Post-Examiner

Winter & Car Insurances – What You Should Know


Most reports convey the fact that winters are getting more and more furious by the year. Aside from weather forecasts, this means the threat level for vehicles has risen and accidents along with it. In order to prevent unfortunate events, drivers need to be prepared as well as they can for such conditions.

There are certain precautions that anybody should follow, such as the fact of road blockage. If the news says that certain roads in your location are closed, maybe the best course of action is not at all, staying at home. This is most importantly conveyed in the sense of insurance in the sense of, if you are driving while the government, for example, is telling you not to, it may be taken against you as negligence which could void any insurance you may possess.

What To Do In Case Of Car Damage

Let’s imagine for a second that you indeed had an accident. Nature in all its wisdom can be cruel as well. If you have comprehensive insurance coverage, you might not need to be afraid for much. This pretty much means that anything that happens to your car that is outside of your boundary for control is fair game and you will be compensated. This could be various things such as hail storms, basketballs flying over, a falling tree or anything in between. If you have branded comprehensive coverage such as from General Insurance, you need not fear anything. Since it is fairly cheap, going from 100$ onwards, it’s a good bargain. On the other hand, if you don’t have this kind of coverage and something like this happens, you’re pretty much on your own.

Property Damage

In the event during an environmental disaster or something similar you let’s say quickly park and in the process damage someone else’s property, you are actually covered by your insurance for this as well under Property Damage Liability. The only thing you have to think about is actually not failing to give out your information to whomsoever you’ve done damage to. For example, if you skid someone’s car in an accident, you should leave a information for them to find in order to get them to know who and where to contact. Failing to do so could actually be criminal.

What If Someone Damages Your Property

If someone, for example, hits or skids your car while you are not there you have multiple choices. One of which is if the person who did it leaves information, you can simply file for Property Damage Liability Insurance and be done with it or in another case you can file for Collision Insurance if you have it and get better rates. But as always it’s best to talk to your agent beforehand.

What If Someone Injures you Directly

If in case of an unfortunate injury caused in difficult conditions such as snow or ice, your personal Health Insurance will cover all upcoming expenses. In most states, this is mandatory. If you don’t have this type of insurance, you will not be covered and might end up paying by yourself. Unless there is a perpetrator which you can sue.


In the unfortunate events of damage to either yourself, your property or even someone else’s property, there is always a legitimate way to go about things, one of course being insurance. Today getting yourself covered by insurance may just be the smartest thing you’ve ever done.

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