Winter brings snow, ice, and shorter days—and with them, a higher risk of accidents and vehicle damage. While your car insurance offers important protection, many drivers assume they’re fully covered when they may not be.
Before the cold sets in, here’s what you need to know about what your auto policy might not include—and how to avoid costly surprises this winter.
1. Damage from Icy Roads
Standard collision coverage usually protects against damage from sliding on ice or losing control—but only if you hit another object (like a guardrail or car). If you skid into a ditch and there’s no visible damage, you may not be covered unless you have comprehensive protection.
2. Battery, Tires, and Engine Trouble
Mechanical failures like a dead battery, worn tires, or a frozen engine are not covered under most auto policies. These are considered maintenance issues. To protect yourself:
- Invest in roadside assistance
- Consider a separate mechanical breakdown insurance plan
- Keep winter supplies (cables, blankets, antifreeze) in your car
3. Delays and Trip Cancellations
If winter weather disrupts your travel plans, your auto insurance won’t cover hotel stays, missed events, or towing beyond certain distances. For that, you may need:
- Travel insurance (especially for long-distance holiday trips)
- Extended roadside packages with flexible coverage
4. Wildlife Collisions
Hitting a deer or other animal is a common winter hazard. However, this type of incident is only covered under comprehensive insurance, not collision. If you live in a high-risk area, it’s worth adding or reviewing this coverage.
5. Vandalism and Theft During Holidays
Parked your car outside a mall or at a snowy trailhead? Winter holiday season often sees spikes in car break-ins. Again, this is only covered under comprehensive coverage—not basic liability.
Final Thoughts
Winter driving is already stressful—don’t let an unexpected gap in coverage make it worse. Reviewing your policy now can help you avoid unpleasant surprises later.
In 2025, many insurers offer seasonal policy reviews and on-demand add-ons you can activate temporarily. A quick checkup before winter could save you hundreds—and give you peace of mind on icy roads.