Does your insurance still cover you if the roads are closed?

Answer 1

Too broad of a question to apply to everyone's coverage but in general when you knowing into a hazardous situation of your own accord, you would be liable for any damages to your vehicle and any other vehicle that you may damage.

There are some umbrella policies that covers you no matter what but those are extremely expensive because of the unknown risk. Now, for certain, if you proceed around a police or DOT closed barrier, you expose yourself to fines, fees, and penalties up to imprisonment depending on the locale so best leave them alone. If you live on a road that has been closed, you should contact the local police -- use their regular number not 911 -- and ask to speak to an officer on duty and tell them that you live on a road that is closed and if there is an route to avoid the closed road or if you just have to shelter in place until the road reopens. If it is an emergency situation, they would rather come to you than you try to get to them.