if my car slide on icy road and hit another car , is damage to my car excluded from collision/comprehensive coverage because of “freezing” exclusion.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 7, 2013

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Insurance Question from Abilene, TX

Asked on 12/07/2013

if my car slide on icy road and hit another car , is damage to my car excluded from collision/comprehensive coverage because of “freezing” exclusion. NULL

Answer given on December 12, 2013

Auto insurance policies can vary among insurance companies. However, most do not include a “freezing” exclusion. If you are being told there is no coverage due to such an exclusion, you should ask the insurance company for a copy of the portion of the policy showing this exclusion.Since you collided with something, the loss is collision and does not apply to comprehensive coverage.If you have collision insurance on your car, then the damage to the car is covered less your deductible. If you struck another car and caused damage to them, then your liability coverage will pay for their damages, and if there were injuries, it will pay for that too. There is no deductible for these injuries and/or damages.Your insurance rates may increase due to the accident, but since it was caused by ice, or freezing, the insurance company may not charge you for the accident. You should ask your agent or company if that is the case in your event.


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