How Winter Weather Leads to Auto Damage and Affects Your Insurance Costs 

Winter in Pennsylvania can create various hazards for drivers and their vehicles. Driving during this time of year can be challenging, which is why it’s essential to have proper auto insurance. Here’s what drivers need to know about winter-related vehicle damage and how it can affect insurance costs.

Common Types of Winter Auto Damage

Pennsylvania winters can be harsh on vehicles. Some of the most frequent types of auto damage during the colder months include:

• Fender benders and collisions—Slippery roads from snow, ice or freezing rain often lead to accidents, especially at intersections or on highways.
• Windshield and glass damage—Flying debris, hail or sudden temperature changes can crack or shatter windshields.
• Body and undercarriage damage—Salt and chemicals used to treat roads can corrode your car’s exterior and undercarriage over time.
• Battery and engine issues—Cold temperatures can drain batteries and make engines harder to start, sometimes leading to breakdowns.

How Winter Damage Can Affect Your Insurance Premiums

When winter weather leads to an accident or claim, it can impact your insurance premiums in the following ways:

• Claim frequency—Filing multiple claims, even for minor winter-related incidents, may result in higher premiums.
• Type of claim—Comprehensive coverage may handle damage from weather events like hail or falling branches, while collision coverage may apply to accidents caused by slippery roads.
• Driving record—Accidents or violations during winter can affect your driving history, which some insurers use to determine your rates.

Get a Quote

If you have questions about auto insurance, Pacelli Insurance is here to help. Our team can:

• Review your current policy to ensure you have coverage for winter risks
• Explain how different types of claims may affect your premiums
• Offer tips for winter driving safety to help you avoid accidents and claims

Contact us today to speak with our team or to get a custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.