Fall Car Insurance Things to Review Before Winter

Fall Car Insurance: Things to Review Before Winter

About The Author

Ashley Dunlap, TPRA – Personal Risk Advisor 

As a Personal Risk Advisor, Ashley specializes in client service, generating new business opportunities while delivering personalized solutions to address our clients’ multifaceted challenges. 


As the seasons change, fall is the perfect time to assess your car insurance coverage and ensure your vehicle is prepared for the colder months ahead. With a new season upon us, it’s important to recognize that each season brings unique challenges related to weather and your insurance needs. Autumn is an ideal time to review your policy to prevent future headaches and expenses. Here is a fall car insurance checklist to help keep you protected before winter arrives.

 

1. Check Your Coverage Limits

Review your current coverage to make sure it aligns with your needs. Consider whether your liability, comprehensive, and collision coverage are sufficient, especially with the increased risks of icy roads and winter-related accidents.

 

2. Consider Comprehensive Coverage

Comprehensive coverage protects against non-collision events such as theft, vandalism, or damage caused by falling branches, hail, or even wildlife. Fall can bring unpredictable weather and debris, making it a good time to ensure your policy includes comprehensive coverage, especially as winter storms approach.

 

3. Evaluate Roadside Assistance

Winter often leads to breakdowns, dead batteries, or accidents that leave drivers stranded. Confirm if your policy includes roadside assistance or if you need to add it. Services such as towing, tire changes, and fuel delivery can be lifesavers during the colder months.

 

4. Winterize Your Vehicle

Although this isn’t directly related to insurance, ensuring your car is ready for the winter can help prevent accidents and damage that could lead to claims. Simple maintenance tasks like checking your tires for proper tread, replacing windshield wipers, and ensuring your heater and defroster are working properly can make a big difference in your safety and reduce the likelihood of needing to file a claim.

 

5. Verify Rental Car Coverage

If you’re planning to travel during the holiday season, review your rental car coverage. If your vehicle is involved in an accident and requires extensive repairs, rental car reimbursement coverage can help cover the cost of a rental while your car is being repaired.

 

Fall Car Care Checklist

Now, let’s get your hands a little dirty with some DIY car care!

  • Check tire pressure weekly during colder months.
  • Regularly assess the tread depth of your tires to ensure optimal performance and safety.
  • Consider switching to winter tires for better grip on icy roads.
  • Change oil to “winter weight” if you live in a cold climate.
  • Top up antifreeze – your car needs a cozy blanket too!
  • Keep the gas tank at least half full to prevent moisture from freezing in the lines.
  • Have your battery tested – cold weather is tough on batteries.
  • Replace wiper blades – they should be changed every six months.
  • Switch to winter washer fluid – regular fluid can freeze on your windshield.
  • Regularly check all exterior and interior lights.
  • Have your brakes inspected – they’re your car’s most important safety feature.
  • Pack a winter emergency kit including jumper cables, flashlight, blankets, snacks, water, and a first aid kit.

 

By reviewing your car insurance policy this fall, you can ensure that you’re properly covered and prepared for whatever winter throws your way. Coupled with the proactive car care checklist, these steps will help you navigate the colder months with confidence.

If you’re unsure about your policy details or need personalized advice, don’t hesitate to contact one of our talented Risk Advisors today! They can help clarify your coverage and ensure all your bases are covered. Remember, small adjustments made now can lead to significant peace of mind when winter weather strikes!

 

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