Severe snowstorms can significantly impact road safety, leading to accidents involving work vehicles. While snowstorms may contribute to accidents, determining whether they qualify as a valid reason for a claim depends on several factors, including the specifics of the insurance policy and the circumstances of the incident.
Insurance Coverage and Snowstorm Accidents
Most work vehicle insurance policies cover accidents caused by natural disasters, including snowstorms, under comprehensive coverage. This type of coverage accounts for damages resulting from non-collision events such as severe weather. However, liability coverage—which is required by law—only pays for damages you cause to other parties, not your own vehicle.
Determining Fault in Snowstorm Accidents
The insurance company's evaluation of the claim will hinge on the determination of fault. While the snowstorm may be a contributing factor, insurers will investigate whether negligence played a role. For instance, if the driver failed to adjust their speed, ignored weather warnings, or neglected to maintain the vehicle properly (e.g., ensuring tires and brakes were suitable for icy conditions), they might be deemed partially or fully at fault.
On the other hand, if the driver exercised reasonable caution, such as reducing speed and following safety protocols, the claim is more likely to be approved as the snowstorm itself would be considered the primary cause.
Documenting the Incident
Proper documentation is imperative to support your claim. After the accident, immediately do the following:
- Capture pictures of the scene, including vehicle damage and road conditions.
- Obtain a police report detailing the circumstances of the accident.
- Gather witness statements if possible.
- Keep records of any communication with your employer and insurance company.
Employer and Insurance Responsibilities
Usually, your employer's insurance policy covers damages if you were driving a work car in an accident. Maintaining appropriate insurance for their fleet and making sure staff members are aware of safety procedures for running cars in dangerous environments falls to employers.
Conclusion
Work vehicle accidents linked to snowstorms can be legitimate claims depending on thorough coverage and absence of negligence. Drivers must follow safety precautions, document incidents thoroughly, and communicate with their employer and insurer to navigate the claims process effectively.