A Information to Winter Driving and Automobile Insurance – Driving

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Icy branches can break unexpectedly and damage your vehicle – be prepared with adequate auto insurance

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Caitlin McCormack, LowestRates, approx Motorists are driving into a near-whiteout caused by snowdrifts on Highway 2 between Shannonville and Belleville, Ontario on Monday, February 25, 2019. Strong winds hit the region on Sunday and Monday. That weather has led Belleville's new warming center to open every night. This image has been digitally altered to mask a license plate. Luke Hendry / Belleville Intelligencer / Postmedia Network Motorists are driving into a near-whiteout caused by snowdrifts on Highway 2 between Shannonville and Belleville, Ontario on Monday, February 25, 2019. Strong winds hit the region on Sunday and Monday. That weather has led Belleville's new warming center to open every night. This image has been digitally altered to mask a license plate. Luke Hendry / Belleville Intelligencer / Postmedia Network Photo by Luke Hendry /Belleville Intelligencer / Postmedia Network

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There are many seasonal issues to watch out for at the start of the winter season, such as: B. icy roads, winter storms and snow plows.

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Equipping your vehicle with Collision insurance and Fully comprehensive insurance is your best choice when it comes to covering winter ailments. Collision insurance pays for auto repair bills if you collide with another car or property, while fully comprehensive insurance pays for non-crash, often weather-related damage and chips in your windshield that expand into large cracks in sub-zero temperatures.

Whether natural disasters or changes in the driving environment, here is what you need to consider with winter hazards and car insurance.

Winter tires

They not only contribute to improved driving performance in wintry weather conditions, but also Winter tires bring you a discount with your insurance. In some provinces they are even compulsory.

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While the discounts vary from provider to provider, you can expect savings of around five percent when installing winter tires. Some insurance providers have specific dates by which you need to have your winter tires fitted and keep them on. So read the fine print carefully. You will also need a full set of four tires specially designed for winter.

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Snow plow mops

Would you be covered if a snow plow hits your vehicle while it is parked on the side of the road? The answer is not as simple as it may seem. For example, if you are parked in a no-parking zone or on a snowplow route and a plow hits your vehicle, you may be partly responsible or even at fault.

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If you go outside and find that your vehicle has been damaged by a neighborhood snow plow, you will need to file a lawsuit against your city or town, who will then conduct an investigation and determine if they were responsible for the damage. If your vehicle is damaged by a private plow driver, you should keep your fingers crossed for him to leave his details, otherwise you will have difficulties getting him to pay. If you want to make a claim under your own insurance policy, you will need collision insurance. You also have to pay your deductible.

Falling branches

Another threat to your vehicle in winter, thanks to Mother Nature, is falling branches – especially during ice storms, when branches become so heavy that they break. While you have little control over whether an icy branch on your vehicle breaks and lands on your vehicle, you can choose your parking space wisely. If you don't have a garage or carport, avoid parking directly under tall trees to protect your vehicle. If a tree or branch falls on your car and you have comprehensive insurance coverage, you should be covered.

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Windshield chips

Cold temperatures can turn a small chip into a large crack that requires the windshield to be replaced. To be able to claim a new windshield through your insurance company, you need comprehensive insurance coverage.

Some companies offer windshield repair insurance as an add-on that you must purchase. So speak to your broker before making a claim.

potholes

Potholes can be a major nuisance for drivers during the winter months. They're often covered or filled with snow and can be difficult to see until you're right on top of them. An especially large pothole can severely damage your wheel, rim, and even suspension system and cause costly repairs. You can claim damage to your bikes caused by driving over a pothole through your own insurance. You may also be eligible for compensation from your municipality if the pothole is a certain size and the city did not repair it.

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Potholes become especially common when the snow melts and the seasons change from winter to spring, so keep an eye out.

One of the most important things to keep in mind when driving in winter is to slow down. The speed limit can be too high in wet and icy conditions. You don't want to get into a collision and you have to assert your claims Car insurance if it could have been avoided in the first place.

LowestRates approx is a free and independent price comparison website that enables Canadians to compare prices from over 75 vendors on a variety of financial products such as auto and home insurance, mortgages, and credit cards.

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