What Will My Insurance Cover After A Car Accident Caused By Rain?

8 April 2022
 Categories: Insurance, Blog

You might drive in the rain on a regular basis and think nothing of it. However, the act of driving in the rain can actually be very dangerous at times. If you lose control of your car and slide on the slick roads, you might assume that you are now responsible for the accident. However, this is not necessarily the case. Fortunately, you can get to the bottom of this when discussing your accident with a car insurance provider.

Rain and Car Accidents

Rain can make it very difficult to driver safely for several reasons. Rain on the windshield can make it very difficult to see. If the visibility is so poor, you might not even know how the accident occurred or whether you are at fault.

You might also slide on slick roads and lose control of your car. A common example of how a car can lose control is when it experiences hydroplaning. This is a phenomenon in which a driver is speeding or has very old tires and loses traction in the rain. This can cause the car to slide. While sliding, you might crash into another vehicle.

Liability Insurance

When you are involved in a car accident and you're considered to be at fault, your car insurance provider will pay for any damage done to the other car if you are considered to be at fault up to the limits of the policy. Therefore, it's a good idea to select an insurance policy that will provide you with full coverage. Otherwise, you might be personally liable for some of the damage.

The car insurance provider not only pays for damage done to the car of the other motorist but will also pay for any medical bills or lost wages that the driver experiences. However, the insurance provider will want to make sure that you are actually at fault. There might be other factors at play, such as speeding or drug use, which might lead to the other driver being considered more at fault.

Collision and Personal Injury Protection Coverage

As for the damage you have suffered, you will be able to file a claim with your own collision or personal injury protection coverage. You may not be required to carry this type of insurance, but it's highly recommended. Then, you will not have to pay for your expenses if they are related to the accident. However, it's important to always consult with your auto insurance company to know exactly what is covered.