Benefits Of Collision Coverage During The Fall And Winter
Collision coverage is optional for some people but variations in driving conditions can make you glad you have it, especially in the fall and winter. Collision coverage will pay to help repair or replace your car when you’re in an accident where the damages aren’t being paid by the other party. It can even cover you in the event of a single-car collision which happens quite often. Here are some of the driving conditions unique to fall and winter that might have feeling grateful for insurance coverage.
Pretty multi-colored leaves are one of the things most people love about fall, but as the leaves pile up they can create hazardous road conditions. First of all, they can be slippery. If the leaves are wet then they can be very slick. Fallen leaves can also hide potholes and other road hazards.
Back To School
As kids go back to school in the fall there is an increase in cars, buses and pedestrians on the roads. Make sure to allow extra drive time so you aren’t in a rush and prone to making hasty driving decisions.
Fall Weather Conditions
Fall is when we see a good deal of rain, fog and even frost. All of these weather conditions carry driving risks, make sure to slow down and stay vigilant of other drivers. Defensive driving is very important when the weather is less than optimal.
Watch For Deer
Fall and Winter can both see an increase in deer migration, swerving to avoid a deer can cause you hit another car or run off the road.
Snow and Ice
Snow and ice of course are the worst driving conditions for winter. When water freezes on the road it can create “black ice” that is difficult to see and makes it easy to lose control of your car when braking or turning. Snow can be slick to drive in and can also cover up the traffic lines making it hard for you to stay in your lane.
Before the bad weather starts to roll in, make sure your car insurance is up to date and that you have the best type of coverage for your area. Different states experience different weather conditions that could impact the type of coverage you want. If you finance or lease your car then collision insurance might be mandatory for you but even if you car is paid off you might want the added protection of collision insurance.