Ice is just one factor that can make winter driving dangerous in Lafayette, Colorado. The risks posed by winter driving conditions also demonstrate why you should go above the minimum when you are selecting an insurance policy for your vehicle. If your SUV hit a patch of ice and slid into another vehicle, the coverage you receive depends on the levels of coverage provided in your policy.
How to Protect Your Vehicle from Winter Accidents
At minimum, drivers in most states must possess liability coverage before they can legally operate their vehicles. However, winter driving serves as a prime example of why it is important to exceed the minimums in your policy to be properly covered. Even if you are a careful driver, a patch of black ice can cause you to lose control and hit another vehicle on the road. Unfortunately, in most circumstances, this will put you at fault for the accident, placing you outside of the coverage of most liability policies.
To receive coverage even when you are determined to be at fault, it is necessary to add collision coverage to your policy. If you own a large vehicle, such as an SUV, it is especially important to make sure that the costs of repairing your vehicle will be adequately covered by your policy.
How an Independent Agent Can Help
Properly preparing for winter requires you to make some additions to your standard auto insurance policy in order to receive collision and medical coverage. However, you can cut down your costs by comparing quotes between several insurance companies and comparing premiums. 1st American insurance Agency can help you compare quotes instantly to find the best prices.
Because even the best drivers can run into an accident when road conditions are poor, programs like accident forgiveness can help you keep your premiums low after a winter accident. When you contact us today, an independent agent can help you protect both your vehicle and your insurance rates from the risks of winter driving.