Where I live in case of an accident in winter the driver found to be wearing summer or all season tires has a heavy bias against him bordering on an automatic "at fault" (And the place i live in is a VERY "at fault" place)
How do insurance companies in the states deal with the winter time accidents in the snowbelt states? Canada? I'm obviously not talking about single vehicle accidents with people ending up in the ditch, but, rather the fine folk who use other people property to slow down and stop on slick pavement.