• Mike Arnold

Some Friendly Mike Arnold Insurance advice when driving in the snow and/or ice


The forecasted winter storm coming offers us the opportunity to provide some friendly insurance advice when driving in the snow and/or ice. First and foremost, please don’t drive when the roads are covered or partially covered in snow and ice.


When a person loses traction and strikes something, regardless of speed, the accident will likely be determined to be an At-Fault. This is irrespective of what you hit (ie. a car, tree, ditch). A motor vehicle crash is determined to be an At-Fault accident if the property damage liability-, bodily injury- and/or collision coverage pays. Property damage liability coverage pays for the damages to another person’s property. When someone’s auto insurance policy pays for another person’s bodily injury then the accident is determined to be an At-Fault. When someone’s auto policy pays to repair their vehicle through collision coverage, even in a single vehicle accident, then the accident is determined to be an At-Fault.


When a person incurs an At-Fault accident their future premium is likely going to increase even with an accident forgiveness endorsement. The wisest thing to do and what we highly recommend is not to drive during inclement weather. If circumstances demand you do drive then please be careful and be prepared. Having a blanket, hat, jacket, gloves, water and dry food in your car can be the literal life saver. A working flashlight, shovel and a charged cell phone are also important items to have in a car when traveling in inclement weather. If your car becomes disabled stay with the car if it’s safe to do so. Venturing out on foot can have deadly results. If you require roadside assistance many carriers have a direct line to call. Otherwise, call a local tow company directly and submit the receipt to the agency for reimbursement. Roadside assistance must be listed on the auto policy declarations for coverage to be available.


Ultimately, the best way to enjoy the snow is with a blanket, cup of hot cocoa and a good book at home on your couch! Please call the office if you have any questions. Stay safe and be well.


Winter can be a hazardous time on the roads. It is important to make sure you and your families are prepared and covered when accidents occur.

The Commonwealth of Virginia requires a person to carry auto insurance including bodily injury liability as well as property damage liability. New limits start January 1, 2022 in the amount of $30,000 per person, $60,000 per occurrence for bodily injury, and $20,000 property damage liability. There are numerous options in addition to the required liability of coverage including but not limited to; Increased limits of liability mentioned above, Comprehensive, Collision, Medical Payments, Loss of income, and Transportation with different levels of liability. A person can also protect themselves and their family by purchasing increased limits that include the uninsured/underinsured bodily injury and property damage motorist coverage. This coverage (uninsured/underinsured) in particular protects you if you are involved in a motor vehicle accident where the other party is at fault and the other party does not have insurance or is underinsured.

Please contact us if you have any questions or would like to make any changes to your policy.

434-295-2692