When driving in Texas during winter storms, black ice presents a significant hazard. Drivers in Houston were informed to stay off of the roads because of black ice. For businesses relying on company vehicles, understanding how corporate auto insurance covers black ice-related accidents is critical. Here’s what you need to know about collision coverage and how it applies in these situations.
What Is Collision Coverage?
Regardless of who is at blame, collision coverage—a part of auto insurance—pays for damage to your car resulting from an accident. This includes accidents caused by losing control of the vehicle due to slippery road conditions like black ice. However, this type of coverage typically does not extend to damage caused by natural elements unless there is an actual collision involved.
For example, if a company truck slides on black ice and hits a guardrail, the collision coverage would kick in to cover the damage to the truck.
How Black Ice-Related Accidents Are Treated
Accidents involving black ice are generally classified as at-fault incidents unless the driver can prove otherwise. Most insurers will review evidence to determine liability, which may impact the claim process and premiums.
Collision coverage specifically addresses vehicle damage from these incidents. If the driver of a corporate vehicle hits another car or an object due to black ice, the collision portion of the policy will cover repairs minus the deductible.
Exclusions to Be Aware Of
While collision coverage helps repair or replace the vehicle after an accident, it does not cover injuries to the driver or passengers (that falls under bodily injury liability or personal injury protection). Additionally, it doesn’t include property damage to other vehicles or infrastructure—that’s where liability coverage comes into play.
Be mindful that claims resulting from negligence, such as failing to properly maintain the vehicle for winter driving, could be denied.
Steps to Ensure Coverage
- Document the Scene: Take photos of the black ice and damage.
- Report the Accident Immediately: Notify your insurer with details.
- Provide Maintenance Records: Show proof of winterizing vehicles to prevent disputes over negligence.
Conclusion
Yes, collision coverage under corporate auto insurance generally covers black ice-related accidents in Texas if a collision occurs. To maximize protection, ensure your business’s insurance policy is robust, and employees are trained to handle hazardous road conditions responsibly.