Does Car Insurance Cover Sleet Damage to Vehicles?
Sleet can cause significant damage to vehicles in Texas, from cracked windshields to accidents on icy roads. Whether your auto insurance covers sleet-related damage depends on the type of policy you have and the nature of the loss.
Comprehensive Coverage for Sleet Damage
Comprehensive auto insurance typically covers damage caused by weather events, including sleet, ice, and freezing rain. This can include cracked or shattered windshields, dented body panels, damaged mirrors, and harm caused by falling tree limbs or ice weighed down by sleet. If sleet directly damages your vehicle while it is parked or being driven without a collision, comprehensive coverage usually applies, subject to your deductible.
Collision Coverage and Road Accidents
If sleet causes you to lose control and collide with another vehicle, guardrail, or object, collision coverage pays for repairs to your vehicle. Collision coverage applies regardless of fault, but you will be responsible for the deductible. Without collision coverage, repairs after a sleet-related crash would typically not be covered.
Windshield Damage Considerations
Sleet-related windshield damage is often covered under comprehensive insurance. Some policies offer full glass coverage or waive the deductible for windshield repairs, while others require the standard comprehensive deductible. Prompt repairs are important to prevent cracks from spreading.
What Is Usually Not Covered
Car insurance does not cover damage caused by normal wear and tear, poor maintenance, or mechanical failures related to cold weather. Additionally, if damage occurs while driving recklessly or ignoring road closures, a claim could be denied or reduced.
Commercial Auto Insurance and Sleet Damage
Commercial auto insurance generally mirrors personal auto coverage when it comes to sleet damage. Vehicles insured under a commercial policy are typically covered for sleet-related losses if they carry comprehensive or collision coverage. Delivery vehicles, service vans, and fleet vehicles may also be eligible for coverage if damaged by falling ice, sliding on sleet, or storm-related accidents.
However, commercial policies often have higher deductibles and stricter reporting requirements. Businesses should document damage promptly and ensure drivers follow winter safety protocols, as violations of company safety policies could impact claims.
Steps to Take After Sleet Damage
After sleet damage, take photos of the vehicle, document weather conditions, and report the claim promptly. Avoid driving a damaged vehicle if it is unsafe.
Conclusion
Car insurance can cover sleet damage, but coverage depends on having comprehensive or collision protection. Both personal and commercial vehicle owners should review policies before winter weather to ensure adequate coverage during hazardous conditions.
