Aurora Car Insurance and Winter Driving
Don’t Let the Winter Ice Make Your Aurora Car Insurance Slip Higher
Don’t let the winter ice be the reason you have to pay more for your Aurora car insurance.
Winter is not a very friendly to Aurora car insurance with all the ice and snow on the ground that makes us slide around. All of this slipping and sliding leads right into car accidents, traffic tickets, and higher Aurora car insurance premiums for drivers by the time winter finally leaves.
In fact, if you listen closely you can almost hear winter snickering as it makes its exit when spring finally arrives.
Winter Damage to Your Aurora Car Insurance
Car accidents and traffic tickets are the two biggest snowballs that winter likes to throw at Aurora drivers. Car accidents we will cover in a little more detail down below, but for now let’s talk traffic tickets.
Traffic tickets in winter are usually in the form of “traveling too fast for conditions” or running a red light. Living in a snowy climate myself, I always thought of the “traveling too fast for conditions” ticket as not being fair. I myself have yet to have the honor of earning one of these tickets, but it just feels like this type of ticket is extremely dependent on the opinion of the issuing officer.
Yes, there are some cases when people are being stupid and travel way too fast for the winter road conditions. Those are the ones that you hope get a ticket, so that they will slow down. However, there are just some winter days that no one should be out on the road, and no matter how slow you go it is going to be too fast for conditions. But, I guess that’s why they allow you to contest your traffic ticket in court.
Running a red light in the winter actually falls under the “traveling too fast for conditions”, believe it not. Per the City of Aurora, even if you slid through an intersection during the winter when the light turned red you will still get a traffic ticket if caught by a red light camera. They rationalize that if you had been in full control of your vehicle and had been traveling at a sped that was reasonable for the current road conditions that you would have been able to stop for the red light.
In both of these cases, if you aren’t able to get the judge to drop the ticket it will end up on your record. And a ticket on your record will be cause for an Aurora car insurance premium increase.
Winter is Why Aurora Car Insurance is Required
Winter is not the only reason that Colorado made having Aurora car insurance a requirement if you want to drive, but it is one of them. Without Aurora car insurance being required, every time you slid on the ice and into someone else’s property you would have to pay for it out of pocket. The same goes for if someone else hit you and didn’t voluntarily carry car insurance, you would be stuck paying for the damage out of your own pocket.
To cover icy accidents such as these, you are required to have the following:
- Bodily injury liability coverage ($25,000 per person)
- Bodily injury liability coverage ($50,000 per accident)
- Property damage liability coverage ($15,000 per accident)
- Med-pay (required, but can be waived in writing)
These are just the basic coverage that you are required to have to start protecting you from what winter in Aurora can throw at you. Your Aurora car insurance agent can help guide you through the insurance maze and direct you to the true level of coverage you need to be protected from winter’s nasty tricks.
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