Is there auto insurance coverage for bad weather conditions?
Living in an area with harsh winter weather, you're probably used to taking certain precautions when you drive. However, if you're a weekend skier who's used to mild weather, it's important to research climate conditions before you head into the mountains. In either situation, it's wise to have towing or emergency road service coverage as a part of your auto insurance coverage or motor club membership.
If you don't already belong to an auto club or a similar program that helps you pay for towing costs, you may want to consider purchasing emergency road service (ERS) when you buy your Esurance policy. Should you ever need to get your car towed due to winter weather, or any other circumstances, this coverage will save you quite a bit of money.
It's also wise to invest in comprehensive auto insurance coverage if you think you'll be dealing with a temperamental climate. Comprehensive coverage helps pay for damage resulting from falling objects, fire, certain natural disasters (check your individual state's policies for details), and vandalism.
In the event that you'll be driving in snow, it's a good idea to have supplies in your car to help you dig out of a snowy parking space. You can buy pre-packaged roadside emergency kits containing such items from many hardware and automotive stores. For more information on driving in winter weather, check out our article on driving in winter weather. Now that your auto insurance coverage is taken care of, it's time for you to hit those slopes and show us what you're made of!
This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.