Ice Storms and Your Car Insurance: What Is Covered?

Driving when there is ice on the road is a very dangerous thing. However, many people have to do it for work or other reasons. Car accidents during ice storms are very common. If you live in an area that is prone to ice storms, for example, you may want to consider consulting with a car accident lawyer, like one from Johnston Martineau, LLP, sooner rather than later. 

If you were involved in an accident caused by ice, you may wonder if your insurance will cover the damages. This depends on several factors, including how many vehicles were involved and what type of coverage you have. Consider how these impact the compensation you receive.

Single-Car Accident

If you were the only driver involved in the accident, your compensation is based solely on your personal insurance policy. If you have comprehensive car insurance, the damages should be covered. With this type of policy, your car is protected from any type of damage. This type of policy is a popular choice for people who have newer vehicles that are worth a lot.

If you only have liability coverage, your insurance company will not compensate you for damages to your car. Liability insurance only protects someone else’s property that you damaged during the accident. Many people choose this type of policy because it is less expensive, but it is important to consider that you will have to pay out-of-pocket for damages to your own vehicle.

An experienced car accident lawyer in Iowa will be able to guide you through the process and help ensure that you get the best possible outcome. 

Multiple-Car Accident

It may seem obvious that you should hire a car accident lawyer in Iowa for ice storms, but there are actually many reasons to do so. If you are the at-fault party in the accident caused by ice, comprehensive coverage will cover damages for your vehicle and the other party’s. If you have liability coverage, only the other party’s damages are compensated.

If you are not responsible for the accident, the at-fault party’s insurance should cover your damages. This is true whether he or she has a comprehensive or liability policy. If an uninsured driver caused the accident, you need to consult with a lawyer to receive compensation for your damages. It can be frustrating to deal with a situation involving an uninsured driver, but a car accident attorney can help you navigate the process. 


Car accidents can happen in any weather, but they are much more likely when the roads are icy. Insurance coverage can be difficult to understand. Still, you should stay informed and up-to-date about your personal insurance policy. This will help you if you ever find yourself involved in a single or multi-car accident. If your insurance company is not treating you fairly, consider contacting a car accident attorney. A lawyer can help you deal with both insurance companies and uninsured drivers.

If you have been injured in a car accident, you may be entitled to compensation from the insurance company of the driver who caused it. However, if there was an ice storm and you were not at fault for the accident but they still refuse to pay your medical bills or any other expenses, then you will need a car accident lawyer.