Hausmann Insurance & Financial Services

2313 Randolph Rd
Charlotte, NC 28207

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Hausmann Insurance & Financial Services Blog

Icy Roads and Auto Insurance

Icy roads are not familiar in Charlotte or Waxhaw, NC. However, they can occur and often cause a lot of crashes due to inexperience. We at Hausmann Insurance & Financial Services find that many in this area are not prepared for this situation.

Who’s at Fault in This Crash?

When you crash due to ice on the road, you will be the one at fault. Officers and the law decide this situation based on the idea that you were driving too fast for the conditions. Therefore, even if they did not see you crash, they can safely assume that you were driving too fast because you crashed. 

This is a very clever legal Catch-22 that often makes your insurance kick in if you cause damage or injuries to other people. However, it is vital to understand every element of this situation to ensure that you get the best understanding. 

What Your Insurance Covers 

What your policy covers depends on what kind of coverage you set up. For example, bodily injuries to others that you hit will be covered by your auto insurance policy. And PIP coverage will help to cover any injuries to you or those in your vehicle. 

You may also get payments for damage to your vehicle, damage to other cars or property, towing costs, lost wages, and much more. All of these costs can add up and will be paid up to your policy’s limits. If the overall prices are too high, there may be some issues. 

Help is Available 

If you need help finding an auto insurance policy and you aren’t sure where to turn, contact us at Hausmann Insurance & Financial Services, serving Charlotte and Waxhaw, NC. We’ll do what we can to help protect you from this situation and ensure that you are safe and financially secure.