Does Weather Impact Car Insurance

Does Weather Impact Car Insurance? 

When you combine auto insurance with the weather, you will uncover multiple information gaps. One of the most popular is that winter raises the cost of auto insurance. To some extent, that may be true, but the whole truth is that your area (and its weather patterns) significantly influences rates. The weather has little effect on cost until your car is damaged due to a storm. Talk to a car accident lawyer in Toledo to learn more about why and how weather affects vehicle insurance rates—and, most importantly, what you can do about it. 

How do courts and insurance companies determine who is liable? 

It is your responsibility as a driver to take necessary precautions when driving in inclement weather. Accidents, however, can occur regardless of how cautious you are. When it comes to adverse driving conditions, insurance companies consider all factors, including severe weather, bad roads, and traffic signals. 

Why is it important to know who is at fault? 

The extent of insurance coverage and damage compensation will be determined by establishing who is at fault. For example, if two cars collide due to the fault of both drivers, a 50-50 fault decision may be made. This does not absolve the drivers of any responsibility. Instead, they will share responsibility for the accident.

It may also be different if it was judged that one of the drivers was driving too fast for the conditions. If this is the case, the driver may be held liable for more damages.

In a personal injury lawsuit, the specifics of the accident and assessing liability will majorly impact the court’s decision. 

What happens when the fault is determined? 

Weather-related incidents will remain on your insurance record and will be treated the same as any other at-fault accidents.

If you were found at fault in a car accident caused by bad weather and believe the decision was made unfairly, you have the right to appeal. Remember that inclement weather and poor driving conditions cannot be your sole justification for filing an appeal. The decision is likely to stand unless you prove that another party was at fault. 

Have you been involved in a weather-related accident? 

If you or a loved one were injured in a weather-related accident, you might be entitled to compensation for your losses and damages. You must show sufficient evidence that another party or driver acted negligently under the circumstances. Schedule an appointment with an experienced car accident attorney and get the legal help you deserve.