Winter car insurance claims in Michigan can be hard to handle. Being on guard and aware of your surroundings is your best defense. Avoid common distractions while driving such as cell phones, GPS devices, and snow covered windows your safety and bank account depend on it. Be on the look out for the top five Michigan winter claims this winter season and know what coverage will provide protection.
- Sliding on Snow and Ice Collision Claim: Whether you hit another car or a guard rail due to sliding on snow or ice, it is considered a collision. The vehicle doing the sliding would most likely be considered at-fault in the accident. Collision coverage is required in order to have coverage to protect you against this type of loss.
- Tow Claim: Tow claims are always common, but they really increase in the winter time. Again with the sliding on snow and ice, but this time you only hit the ditch. If you are lucky enough to avoid car damage, you can get away with just a tow claim. Roadside assistance or towing is the coverage you would need to provide coverage when you are stuck in the snow.
- Pot Hole Claim: Pot holes are common on Michigan roads. The freezing and thawing of the roads combined with tons of salt make them nearly impossible to keep filled. Hidden under a blanket of snow can make pot holes even harder to avoid. Pot hole claims are considered at-fault accidents according to Michigan insurance carriers. Collision coverage is required to file a pot hole claim.
- Deer Claim: Those pesky deer are always causing trouble. The fall months are the most common for deer claims but do not let that allow you to drop your guard. Deer can be seen anytime of the year on Michigan roadways. Comprehensive coverage will be required in order for your insurance company to cover a loss caused by a deer.
- Hail Damage Claim: Hail can strike at anytime during most Michigan seasons, especially winter. Hopefully, your car is safely parked in the garage during a hail storm, but if you happen to be out and about or parked at work, you could be looking at some serious damage. All those little dings will be covered by your car insurance as long as you carry comprehensive coverage. Low deductibles are common with comprehensive coverage, but it can certainly vary, so check with your insurance agent to determine how much you will have to pay for your deductible.
Michigan data shows most accidents actually occur on clear days. Does that mean there are just more clear days throughout the year or does it mean people let their guard down? Either way, accidents can occur anytime of any day. Defensive driving should be your normal driving style. Take the responsibility of driving seriously and do not ever think it can’t happen to you.
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