Who pays for accidents on icy roads and with summer tires? Financial expert gives answers.

Who pays for accidents on icy roads and with summer tires? Financial expert gives answers.

According to a report from www.augsburger- Allgemeine.de, the sudden onset of winter in Bavaria with snow and icy roads is a big problem for drivers. But who pays when accidents occur? An economic expert should analyze and calculate the impact that this extreme winter onset may have on the market, the consumer or the insurance industry.

In Germany there is no general winter tire requirement, but the road traffic regulations require the use of winter tires in certain weather conditions. Motor vehicle liability insurance is also valid in the event of accidents involving summer tires, while fully comprehensive insurance only kicks in if the driver is grossly negligent. An increased number of accidents due to black ice also leads to increased claims settlement. Comprehensive insurance can reduce or eliminate the benefit depending on the severity of the case if the driver was not adequately prepared for the weather conditions.

Partial comprehensive insurance covers weather-related damage that was not caused by external influences, such as damage from winter storms, hail or floods. In the event of accidents caused by snowball fights, the parents' private liability insurance applies if the children are older than seven years old. Consumer advocates recommend paying for minor winter damage yourself up to 1,000 euros in order to avoid a possible downgrade in your insurance.

Overall, extreme weather conditions such as snowfall and black ice can lead to an increased burden on vehicle insurance. The number of accidents and weather-related losses will increase, which may lead to higher regulatory costs and possibly an adjustment to insurance rates. Drivers are also advised to drive particularly carefully in such weather conditions to avoid accidents and reduce the burden on insurance companies.

As www.augsburger- Allgemeine.de reports, the sudden onset of winter in Bavaria has led to chaotic conditions on the streets. The extreme weather not only has an impact on traffic, but also on car insurance companies and the drivers themselves. It is advisable to drive particularly carefully in such weather conditions and prepare your own vehicle accordingly to minimize possible damage and regulatory costs.