People driving their cars in the current red alert weather conditions in Kildare roads are covered by insurance to drive, but issues over contributory negligence, in certain cases, can’t be ruled out.
Questions were raised with the Leinster Leader about whether insurance claims or coverage could be refused under certain conditions, because of a driver driving in dangerous conditions.
Some spoke of difficulty in making claims for flood damage to cars following Storm Ophelia a few years ago, for example, and worried that they could be held responsible for going out in hazardous conditions, in the first place, especially when required to do so for work reasons.
Questions have been raised about the legality of not removing snow from a car roof, for example?
A spokesperson for Insurance Ireland, the insurance industry body, referred us to advice on its website, which said that people are, in general, covered, with both comprehensive and third party cover during the current red alert.
But can contributory negligence be ruled out, the Leader asked? The spokesperson, John Byrne, said: “I wouldn’t speculate on that scenario. It would not be appropriate to do that.”
He went on to say that people are generally covered should following the guidance given by the Road Safety Authority and others.
Yesterday (February 27) Insurance Ireland issued a warning on the severe weather warnings for the days ahead including advice for motorists regarding their cover during severe weather events.
It said: “Insurance Ireland advises motorists to heed the weather warnings in place from the authorities and take all reasonable precautions. Motor insurance cover applies as normal in extreme weather as your legal liability to others is covered by all policies. Damage to cars caused by severe weather is covered by comprehensive motor insurance policies.
“ Third party fire and theft policies cover motorists for damage to other cars in the event of an accident, injury to other people, or damage to your car in the event of a fire or theft.”
Earlier today, different types of warnings were in place for different counties with Status Red for Dublin, Kildare, Louth, Wicklow and Meath.
Meanwhile, Clane Community Council has reminded people to keep an eye on their neighbours during the cold spell.