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Weather & Seasonal Driving Guide

How weather conditions affect accident risk, fault determination, and your insurance claim. Regional guides for rain, snow, fog, and extreme conditions.

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Frequently Asked Questions

Weather itself isn't an excuse. Drivers are expected to adjust speed and following distance for conditions. If you were driving too fast for conditions, you can be found at fault even if the weather caused you to lose control.
Yes, but liability depends on the circumstances. Another driver may be at fault if they were driving too fast for conditions. Road authorities can sometimes be liable for failing to treat icy roads or fix drainage issues.
It can. If weather was a contributing factor and the other driver should have adjusted their driving, it strengthens your case. Insurance adjusters consider whether reasonable precautions were taken.
You may be found at fault. Courts generally hold that drivers should slow down in wet conditions. However, if a road defect (poor drainage, standing water) contributed, you might have a claim against the road authority.

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