4 Tips to Avoid an Insurance Claim This Winter

Tip #1: Avoid Side Roads

If you have to drive, you should avoid side roads that may contain long-lasting ice or snow. Side roads may be sheltered by the shade of homes or trees, making snow and ice last longer. Plus, snow plows tend to heavily hit the most used roads first, such as highways and main streets in cities and towns.

If you see an accumulation of water on the street, you should turn around or drive around the water if it is safe to do so. Driving through a flooded area can cause serious damage to your vehicle and can be hazardous to your safety.

Tip #2: Put Emergency Supplies in Your Vehicle

Some auto insurance companies will offer 24/7 roadside assistance as a part of your policy, which may come in handy during periods of inclement weather. If your vehicle becomes stranded in the snow, there are a couple of things you’ll want to have on hand as you await assistance.

Emergency supplies can be kept in your trunk, and they may be used to keep you warm and nourished, or help you get “unstuck” from the snow.

Some emergency supplies to consider keeping in your car include:

• Blankets
• Flashlight
• Ice scraper
• Foldable snow shovel
• Snacks and bottled water
• Battery-supplied phone charger
• Cat litter or sand (used for gaining traction on snow and ice)

Tip #3: Watch for Cracks

If you have small cracks in your driveway, walkways, or sidewalks, you’ll want to keep an eye on them during winter—especially after heavy precipitation. Rain or snow (as it melts) can seep into small cracks in concrete or asphalt. As water freezes and turns to ice, it expands. If you’re experiencing below-freezing temperatures in your area, this could cause cracks to fill with water, freeze, and get bigger. Keeping your walkways shoveled and salted can make it easier to spot these issues before they become larger (more costly) problems down the line.

Tip #4: Shovel for Safety

Whether it’s a couple of inches or several feet, homeowners are generally responsible for keeping sidewalks and walkways clear on their property. States and regions have their own regulations regarding snow removal, so you’ll want to become familiar with your local regulations.