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Canada Winter Road Conditions 2025: Insurance Rules After Snow or Ice Accidents Winter Road Conditions in Canada: Insurance Rules After an Accident in Snow or Ice TL;DR Summary Snow and ice increase collision risks across Canada, but winter conditions do not automatically remove fault in insurance claims. Most provinces use fault-determination rules that assess driver actions, not weather alone. Drivers should document the scene, file a claim quickly and verify coverage such as collision, liability and rental replacement. Canada’s winter driving season brings unpredictable snow, freezing rain and icy road surfaces. These conditions contribute to thousands of collisions annually, particularly from December through February. Despite challenging weather, insurance companies across Canada consistently emphasize that “bad weather does not remove responsibility.” Understanding how claims are handled after a snow or ice accident helps drivers av...