How Do Icy Roads Impact Car Accident Claims in Minnesota?

Bad Weather and Negligent Driving: Not an Excuse

Does winter weather give drivers an excuse for causing an accident? The short answer is no.

In Minnesota, drivers are required to adjust their driving based on the weather to minimize the risk of an accident. Drivers who fail to do so are responsible for the damage they cause – even if weather is also a contributing factor. Drivers who behave recklessly in winter – such as by speeding, tailgating, or driving under the influence – are even more culpable.

This requirement means that if you are involved in an accident in winter conditions, the negligent driver is still on the hook for your damages. Some drivers might argue that an accident was unavoidable due to the weather, sometimes calling it an “act of God.” Minnesota courts rarely buy this excuse.

Winter weather may complicate driving, but it doesn’t give anyone a free pass to be careless. If you’re involved in an accident caused by another driver’s poor decisions, they can still be held accountable.

No-Contact Accidents in Minnesota

Here’s a scenario: You’re driving carefully on an icy Minnesota road when another car swerves into your lane. You quickly react to avoid a collision, but your car ends up in a ditch. Of course, the other driver never actually hit you. Does that mean they’re off the hook?

Not necessarily.

In Minnesota, drivers can be held responsible for no-contact accidents if their actions directly cause another driver to crash. These actions might include swerving into your lane, failing to yield, or losing control due to excessive speed.

However, proving liability in these situations can be tricky. Evidence like witness statements, dashcam footage, or even a police report can be crucial in showing that the other driver’s negligence led to your crash.

So, even if there’s no physical collision, you might still have a case, provided you have the evidence to back it up.

No-Fault on Ice: How Will Winter Weather Impact Your Insurance?

Minnesota operates under a no-fault insurance system, which means your insurance policy will pay for certain damages after an accident, regardless of the cause. This includes accidents caused by winter weather conditions. For example, if you slide on an icy road and hit a guardrail, your no-fault insurance will cover your injuries and related costs up to the policy limits.

If another driver was at fault, you may still be able to hold them accountable for damages that go beyond what your no-fault insurance covers. However, you’ll need to meet certain thresholds to pursue a liability claim, such as having medical expenses over $4,000 or experiencing a serious injury like permanent scarring or long-term disability.

How to Stay Safe on Minnesota Roads in the Winter

Winter driving in Minnesota is a challenge, but a little caution can go a long way in preventing accidents. Here are some practical tips to stay safe and protect others.

• Prepare your vehicle: Make sure your car is winter-ready. Check your tires, brakes, and windshield wipers, and keep your gas tank at least half full to prevent freezing.
• Clear your car: Before heading out, clear all snow and ice from your windows, mirrors, headlights, and roof. A snow-free vehicle improves visibility and prevents snow from flying off and hitting other drivers.
• Pack an emergency kit: Equip your car with essentials like a flashlight, blankets, extra warm clothing, water, snacks, jumper cables, and a small shovel.
• Slow down: Speed limits are for ideal conditions. On icy or snow-covered roads, driving slower than the posted limit is often necessary.
• Increase following distance: Icy roads mean longer stopping distances. Keep at least six seconds of distance between you and the car ahead to give yourself enough time to brake safely.
• Stay alert: Watch for black ice, especially on bridges, overpasses, and shaded areas. Pay attention to weather forecasts and avoid unnecessary trips during severe storms. Avoid drowsy driving, which can reduce your alertness and significantly increase the chances of an accident.

What to Do If You’re in a Winter Accident

Even with the best precautions, accidents can still happen. Knowing how to handle the situation can make all the difference.

• Ensure safety first: If possible, move your vehicle to the side of the road to avoid additional collisions. Turn on your hazard lights and stay in your vehicle if it’s unsafe to exit.
• Call for help: Dial 911 to report the accident, especially if there are injuries or significant property damage. A police report can be invaluable for your insurance claim.
• Document everything: Take photos of the accident scene, road conditions, damage to vehicles, and any visible injuries. If there are witnesses, get their contact information.
• Seek medical attention: Even if you feel fine, it’s always wise to see a doctor after an accident. Some injuries, like whiplash or concussions, may not be immediately apparent.
• Talk to an attorney: A car accident attorney can help you understand your rights, handle insurance negotiations, and ensure you’re adequately compensated for your injuries and damages.
• Notify your insurance provider: Report the accident to your insurer, providing all the details you’ve collected. And don’t hesitate to contact an attorney before you talk to an insurance representative. Doing so can make it harder for your insurer to deny your claim or reduce your compensation.

If you're involved in a car accident during winter, you may be entitled to compensation for several damages, including:

Medical Expenses

Your no-fault insurance will cover medical bills up to your policy limits, including hospital visits, physical therapy, and other necessary treatments. If your injuries are severe and exceed your no-fault limits, you may be able to pursue a claim against the at-fault driver.

Lost Wages

If your injuries prevent you from working, your no-fault insurance can compensate for a portion of your lost income. For more serious accidents, you may also seek additional compensation from the negligent driver.

Property Damage

While no-fault insurance doesn’t cover vehicle repairs, you can file a claim with the at-fault driver’s insurance for damage to your car. If you have collision coverage on your policy, you can use that to cover repairs or replacement costs, though you may have to pay a deductible.

Pain and Suffering

Minnesota law allows injury victims to seek compensation for the pain and suffering caused by an accident. Qualifying factors can include physical pain or disfigurement as well as mental distress such as PTSD, anxiety, and cognitive changes.

Out-of-Pocket Costs

You may also be reimbursed for additional expenses, like towing fees, rental cars, or costs related to necessary household assistance while you recover.

Punitive Damages

In rare cases, Minnesota law allows for punitive damages. These are awarded when the at-fault driver’s actions go beyond mere negligence and demonstrate a clear disregard for the safety of others. Examples might include driving under the influence, engaging in road rage, or other reckless behaviors. Punitive damages are meant to punish the offender and deter similar behavior in the future.

Don't Let Winter Weather Complicate Your Claim

Winter weather can make driving in Minnesota downright hazardous, but it doesn’t absolve drivers of responsibility. Adjusting to road conditions, driving carefully, and maintaining your vehicle are non-negotiable when it comes to staying safe and avoiding liability.

If you’ve been injured in a winter accident, knowing your rights is half the battle. Make sure you’re prepared to protect yourself and your claim, no matter what Mother Nature throws your way.

Get Help from an Award-Winning Legal Team

SiebenCarey is one of Minnesota’s oldest and most-recognized personal injury law firms. Since 1952, we’ve helped thousands of accident victims get the compensation they need. Now, we’re ready to do the same for you.

When you choose the SiebenCarey team to represent you, you’ll have the full benefit of:

• Decades of experience in Minnesota personal injury law
• A longstanding record of successful settlements and trial verdicts
• An entire team of award-winning attorneys, paralegals, and in-house legal investigators
• Comprehensive resources to build and defend your claim
• The “Know Your Rights” guarantee of personal care and clear communication

Schedule a free consultation today, and we’ll be happy to help you in any way we can.