Sliding off the side of a mountain is a real risk many drivers in Chalfont, PA, face each year once snow and ice cover the state’s roads, including winding routes along mountainsides. If you’re in an accident like this, your auto insurance policy may be able to help.

Liability-Only Policy

Whether your policy covers this kind of incident depends on your specific coverage and the cause of the loss of control. Liability coverage only pays for the other party’s damages if you’re found at fault in an accident. It won’t cover your own property damage or medical bills if you lose control and slide off the road.

Off-Roading

If you’re driving off-road or on a path not designated for vehicle travel, most standard policies won’t provide coverage, since that typically requires a separate off-roading policy. An agent at Bucksmont Insurance can help you better understand this type of coverage.

If You Lose Control

Losing control on slick roads is unfortunately common. That said, some insurers may view this as driving too fast for the conditions. Regardless, collision coverage will generally help cover the resulting damage, though you’ll still be responsible for your deductible.

Avalanches

In rarer cases, a vehicle can be caught in mud or snow during an avalanche with little or no time to react. Since this is generally considered a natural event rather than driver error, it typically won’t lead to higher premiums the way an at-fault accident might. Comprehensive coverage usually helps pay for damage caused by events outside your control, like this one.

At Bucksmont Insurance, our agents will carefully review your auto policy to determine whether your coverage applies. Contact us today to learn more about your options. We’re currently serving the Chalfont, PA, area.

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