Severe weather can strike at any time of the year. It is not always possible to avoid driving during dangerous weather conditions, but cautious driving can mean the difference between getting home safely and standing along the side of the road waiting for a tow truck.
Snow and Ice
Winter often brings frozen precipitation in one form or another. Ice and snow create driving challenges, but you can improve safety by following a few key tips.
First, take the time to properly de-ice and clean all windows. An extra five minutes of defrosting and scraping will help you see other vehicles and use defensive driving skills.
Once your windows are cleared and you are on the road, keep your speed slow and consistent. In deep snow, travel at a speed fast enough to keep your momentum but slow enough to maintain control. Road signs usually warn that bridges freeze before roads; slow down before crossing bridges and overpasses and avoid sudden changes in speed or direction.
Use extra care when braking in winter conditions. Brake slowly and deliberately to avoid wheel lock-up and loss of steering. If your vehicle has anti-lock brakes (ABS), press the pedal firmly and hold; do not pump the brakes.
If you get stuck in the snow, straighten your wheels and accelerate slowly. Avoid spinning the tires; use sand, cinders, or traction mats under the drive wheels if necessary. For information on insurance related to cold-weather losses, see Winter Weather Insurance.
Fog
In foggy conditions, stay to the right side of the road and use low-beam headlights. If you cannot see the edge of the road, it may be safest to pull over. When pulling off the road, move completely out of the traffic lane, turn on your hazard lights, and wait until visibility improves.
Wind and Rain
Wind and rain present special challenges. If you drive a high-profile vehicle such as a trailer or motor home, consider staying off the roads until winds die down. The beginning of a rainstorm is especially treacherous because water mixes with road oils and dirt to create a slick surface.
To reduce the risk of hydroplaning, slow down and maintain traction between your tires and the road. Turn on your headlights so other drivers can see you, and use your defroster or air conditioner to improve visibility. Learn more about coverage for snow-related risks at Snow insurance.
Severe thunderstorms can produce tornadoes and hail. In a car, monitor local news or weather alerts. If you see a tornado, the safest place is outside the car in a low-lying area; lie face down and protect yourself from flying debris. For hail, seek shelter under an overpass or bridge if one is available and safe to reach.
When a hurricane is forecast, plan to move inland to higher ground well before the storm arrives. By exercising caution in severe weather, you can avoid sliding off the road, having an accident, or suffering greater damage to yourself and your property.
If you have questions about how weather may affect your coverage, talk to your agent.
Frequently Asked Questions
How should I prepare my car for winter driving?
Keep windows and mirrors clear, maintain proper tire pressure and tread, carry an emergency kit, and ensure your battery and brakes are in good condition.
What should I do if my car starts to skid on ice?
Do not slam on the brakes; ease off the accelerator and steer gently in the direction you want the front of the car to go until you regain control.
Is it safe to drive in dense fog?
If visibility is severely limited, it is safer to pull over well off the roadway and wait until conditions improve while using your hazard lights.
Will my auto insurance cover storm damage like hail?
Comprehensive coverage often covers storm-related damage such as hail, but coverage varies by policy, so check your policy details or consult your insurer.