While police respond to serious crashes, here's what to do if you're in a snowy fender bender

Winter storm delivers wake up call to drivers
Posted at 8:21 AM, Nov 13, 2018

Monday's storm was a wakeup call for many Colorado drivers.

"People act like they’ve never seen winter before when they’re on a roadway," said Carole Walker with the Rocky Mountain Insurance Information Association.

During winter conditions, jurisdictions are frequently on accident alert, meaning police will only respond to serious crashes. If you find yourself involved in a minor fender bender, there are a few things you can do to make sure you are covered.

"Along with winterizing your vehicle, make sure you're insurance policy is ready for winter," Walker said.

That means knowing what kind of coverage you have and its limits. Comprehensive coverage will cover most damage to your vehicle, even if it's from natural sources, like snow or ice. Liability coverage only covers you if you're in a collision. It's also important to make sure you have uninsured motorist coverage.

You can check your coverage by downloading your insurance company's app. Once you have that app, you can use it to document the incident and file a claim right after an accident.

"Make sure you’re getting license plate numbers, and document any witnesses," Walker said. "You could even interview them with your phone."

She also recommends taking pictures of damage to the vehicles as well as the road and weather conditions. Insurance companies will take weather into account when determining fault in an accident.