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Welcome to the best Michigan insurance resource! Michigan has the most unique insurance laws in the United States. Learn about what it takes to be insured properly as a Michigander. Get saving tips, mandatory coverage amounts, and answers to many frequently asked questions.

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A Snow Plow Damaged My Car, Now What?

Snow plows hit the roads every winter in many states in the US. Sometimes those same snow plows also hit parked cars. The only time a auto claim can be filed against a snow plow is if the snow plow vehicle has physical contact with your vehicle. Damage from piled up snow will not be covered. So what do you do if a snow plow damages your car? It really depends on what information and proof you have regarding the accident.

File the claim on your insurance policy.

Especially in Michigan, filing the claim on your own insurance policy is the easiest way to go. You do need collision coverage in order to file the claim. Both broad and limited collision make is so you do not pay a deductible. Give your insurance carrier the details of the accident and if they have enough information, they can go after the at-fault party for the damages. If you have standard collision, the same process applies however you will have to pay your listed deductible. It is possible to get reimbursed for the deductible if your insurance carrier is able to go after the at-fault party.

Do you know what snow plow company or municipality caused the damage?

If you do not have collision coverage, you will need to try and file a property damage claim against the at-fault snow plow. Maybe the snow tracks clearly indicate a snow plow is to blame for the damage to your vehicle. However, if you do not know exactly who caused the damage, you will not be able to file a claim.

Contact the responsible snow company to file a claim. Search online for your city’s rules on snow plow damage. Most cities have forms you can fill out online to submit a claim. Then a representative will contact you to start the claim process.

Michigan City Claim Quick Links

Do you have any proof a snow plow damaged your car?

It really does not take much to prove a snow plow damaged your vehicle, yet it still can be hard to get. Take a look at what typically qualifies as proof.

  • Driver admits fault
  • Eye witness (you included)
  • Proof you were parked legally (photo/eye witness)

Do your best to protect your vehicle from snow plow damage. Especially during a major snowstorm, snow plow workers are overworked and driving heavy machinery. They may not even realize they caused damage to your vehicle. Always legally park your vehicle and follow your city’s rules. Look out for Snow State of Emergencies which prohibits road parking.

Check out more great insurance info:

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2 comments

  1. edwin rodriguez

    Hi, I’m Edwin Iam a security guard in a construction of a public school in Paterson my car was damaged by a snow plow on Saturday. I didn’t park inside because of the condition so I parked in front of the entrance by the street leaving a decent amount of space for the cars to pass.I no it wasn’t the best choice, but I didn’t have another option .I noticed the damage the next day, and I didn’t know what to do .People that know more about this than me, say that I have a chance.

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