, you're out of luck. While ice and snow may be seen as acts of God or nature, choosing to drive in icy conditions is usually a choice, potentially putting the driver at fault.
Jo Anne Oni, assistant director of consumer services at the Georgia Department of Insurance, confirmed that Georgia law doesn’t address icy conditions when it comes to auto insurance rates. “There’s no law that says if it’s an act of nature, or due to weather, the insurers cannot claim it as an at-fault accident,” Oni said.
Oni said driving in icy conditions is no different than driving in the rain, when “you have to drive with care and caution.”
Oni added, though, that it’s important to check a policy after an accident because some insurers have a policy endorsement that forgives the first at-fault accident.
That doesn't mean you won't see a rate hike in the future. If Georgia sees lots of insurance claims from the bad weather, insurers could file for rate increases for everyone. Your best advice then might be to shop around. Here's what the AJC found last summer about which insurance companies have hiked rates the most in Georgia: http://investigations.blog.ajc.com/2017/07/25/auto-insurance-which-georgia-companies-hiked-your-bill-the-most/
Also take note of this: Consumers who have difficulty resolving claims with their insurer may contact the Department of Insurance's consumer call center at 404-656-2070. Online: https://www.oci.ga.gov/consumerservice/home.aspx