Although we don’t worry much in Texas about getting too much snow, we are sometimes plagued with the wrath of icy, drizzle that makes the roads a glassy nightmare. Feeling your car go out of control on a slippery, icy highway can be a scare you won’t soon forget.
What happens if you slide into another vehicle?
That’s when you’re glad you have auto liability insurance, something all Texas drivers are required to have by law. Your liability coverage will pay for the damages to the car you smashed into.
That’s definitely something to be thankful for, but be aware that your insurance rates are most likely to increase. If your car is damaged in the incident, your collision coverage (if you carry it) will pay. Remember, collision coverage is optional, but it is good to have, especially if your vehicle is newer. Collision coverage would also pay for damages if your car slid off the road or into a road sign or guardrail. Of course, you would first have to pay your deductible for the claim.
What if your car was parked in the driveway and a heavy, ice-laden branch fell on it and damaged the hood and windshield? Comprehensive coverage would pay for it.
Towing assistance is another expense that can occur on icy roads. Depending on your insurance, you may have to pay the tow truck out of pocket, but often you can get reimbursed from your insurance company.
These are all scenarios to be aware of and well worth a call to your independent insurance agent to get clear answers. Be informed and drive safely. When icy roads occur, the best advice is to stay off the road unless you absolutely must go out.