2017-12-20 / Front Page

Avoid an insurance freeze this winter

The Indiana Department of Insurance offers Hoosiers tips to consider for the winter months.

Seeing someone slipping on ice might be humorous in movies and viral videos, but personal injury and automobile accidents during winter weather are no laughing matter. The Indiana Department of Insurance reminds you to review your insurance policies and to consider these tips during the cold winter season.


Winter weather can be a challenge for all drivers. Before you go dashing through the snow, you may wish to check for travel advisories issued throughout the state of Indiana. A county travel status map, www.in.gov/dhs/traveladvisory/, is a convenient resource for obtaining this information and may help you to determine whether to venture out or to postpone travel. Another tip is to examine your auto insurance policy to confirm if it’s appropriate for your needs. First, check your liability limits to make sure you have adequate protection against injury or damage if you or one of your drivers causes an accident, whether it’s a minor fender bender or a multi-car incident. To protect your vehicle, you should consider having the appropriate level of collision and comprehensive coverage to pay for damages to your own vehicle. Some auto policies may also offer towing coverage that could be useful if your auto were to become disabled in cold weather. The Indiana Department of Insurance Auto Insurance Facts brochure provides more of what you need to know about your auto insurance needs in Indiana.

Additionally, make sure you know what to do if you or your teenage driver gets in a wreck. Always keep a copy of your insurance card and your insurance provider’s contact information in the car. To take the stress out of filing a claim after an accident, the National Association of Insurance Commissioners (NAIC) created WRECKCHECK, a free smartphone app that walks you through the process of gathering information following an accident. You can then email the report directly to your insurance agent. WRECKCHECK is available for Apple and Android devices as well as in PDF form.


Your homeowners or renter’s policy can protect you against common winter debacles, so check your policy before the first winter storm. If someone slips on ice on your property and is injured, your homeowners policy will pay for some medical expenses, but ask your insurance provider if you have adequate liability limits. If you rent, your landlord may be responsible for keeping ice from the sidewalks, but check your lease carefully as the landlord may have transferred that responsibility to you.

A standard homeowners policy also will provide coverage, subject to your deductible, if your home suffers damage during a winter storm or a house fire. Some policies offer additional living expenses if you are unable to live in your home during repairs. Check with your insurance provider to determine what your policy covers.


It’s important to do an insurance check-up on your current health plan – especially if you are considering new options, such as updated plans offered by your employer or the Federal Marketplace. When reviewing a plan, make sure to check that your hospitals, doctors and prescription medications are in-network and take note of your copays, coinsurance, and deductibles for in- and out-of-network providers. Open Enrollment ends on December 15, 2017. You must enroll in a plan and pay the first month’s premium by December 15, 2017, to have coverage for 2018. If you need help during the enrollment process, you can contact a licensed Indiana Navigator. To find one in your area, visit in.gov/ healthcarereform/2468.htm.

Once you have decided on a plan, read through your policy and keep your insurance card handy in the event of winter illnesses – like norovirus or the flu – or accidents. Your health insurance may offer a variety of alternatives to waiting at the doctor’s office or a trip to the emergency room. Ask your insurance provider if they have a nurse help hotline that can answer questions about your symptoms or if your pharmacy has an urgent care center that will accept your insurance.

If you are traveling during the winter months, review your policy and make a list of pharmacies, urgent care centers and hospitals that accept your insurance in your destination city. Prior to leaving town, it is also a good idea to check with your insurance company about your destination’s in-network healthcare. If you receive care from an out-of-network provider, you may pay more for treatment. Bring this information and health insurance cards for all family members with you when you travel.

Winter Fun

It’s already a winter wonderland at many ski resorts in the country. But before you hit the slopes or take out the snowmobile, check your homeowners or renter’s policy. Generally, ski equipment you own will be covered by your homeowners or renter’s policy if it’s lost or stolen. On the other hand, snowmobiles may not be covered by homeowners, renters or auto policies. Ask your insurance agent if you need more coverage on your sporting equipment or need to purchase a separate snowmobile policy.

Some of us survive the chills of winter with a warm weather escape. Regardless of where you’re going, winter travel can be uncertain. Delays or cancellations are inevitable. You may want to consider travel insurance, which can cover everything from lost luggage to delays and cancellations.

More Information

For more information about auto, homeowners, health and other types of insurance, visit www.in.gov/idoi/2542.htm.

About the Indiana Department of Insurance

The Indiana Department of Insurance (IDOI) protects Indiana’s insurance consumers by monitoring and regulating the financial strengths and market conduct activities of insurance companies and agents. The IDOI monitors insurance companies and agents for compliance with state laws to protect consumers and to offer them the best array of insurance products available. The IDOI also assists Hoosiers with insurance questions and provides guidance in understanding how insurance policies work.

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