Car accidents in winter: insurance does not always pay out

Car accident in winter: insurance does not always pay out

Winter is not a "force majeure. Drivers must adapt their driving style to snow and ice. If you do not do this, the vehicle insurance can be based on "gross negligence" call the police – and refuse to pay in the event of a claim.

Driving in winter: Such road conditions harbor accident potential

Driving in winter: such road conditions harbor accident potential. ACE/tchovikov

In winter, you would think, crashes are particularly frequent and particularly fatal. in a sense, this is true: when a lot of white falls from the sky and/or the roads turn into slippery slopes, traffic radio regularly reports traffic jams caused by cars that have crashed due to winter road conditions. The TV news and social media channels then show the corresponding dramatic footage.

But the bottom line is that the winter reality is different. According to the German Federal Statistical Office (destatis), at least the fewest accidents involving personal injury occur during the cold season of the year. This is only a paradox at first glance. Because apart from the fact that snow and ice encourage drivers to drive more carefully, cars often come to a complete standstill in adverse weather conditions. And: there are hardly any motorcycles on the road in winter, as well as fewer bicycles than in the summer months.

Drive at walking speed only

If the dark and cold months have led to an accident, at least the motorists concerned feel that they are reliably protected by their insurance. But this can be a fallacy. Because what the cold season brings in the way of unimages is by no means a force majeure against which no weed can grow. In fact, the German Road Traffic Act (stvo) requires drivers to adapt to the conditions and change their driving style accordingly. The ideal car rental for your vacation in europe is to rent a car in Europe. the ideal car rental for your vacation in europe is to rent a car in europe. the ideal car rental for your vacation in europe is to rent a car in europe. the ideal car rental for your vacation in europe. the ideal car rental for your vacation in europe. the ideal car rental for your vacation in europe.

Black ice as a natural phenomenon

Above all, the sudden occurrence of black ice, caused by unexpectedly freezing rain, is often understood as a natural phenomenon and thus as the mentioned force majeure, which removes from the responsibility and thus liability. However, the insurance companies see things differently, citing the requirements that the stvo imposes on drivers with regard to their driving behavior. You must be aware that you are liable in the event of an accident, says the goslar institute for consumer-friendly insurance, which is supported by HUK-coburg.

Gross negligence

In the event of a claim, this attitude can lead to the insurance company initially paying the other party’s damages, but then recovering the money from the policyholder. Or that you, as the injured party, are partially to blame or – in the case of accidents with no other party involved – that you do not receive any money from your own insurance company. This is justified with the reference to gross negligence.

Winter road conditions had better be taken seriously, ultra-cautious driving included. Or, even better: do not use the car at all. This is also good for the accident statistics.

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