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Insurance Agents See Huge Jump In Insurance Claims This Winter

The winter months can be a very hectic time for drivers. When the weather is cold, more car accidents tend to occur. This is for a few different reasons. The first is that visibility becomes reduced when people are driving in snowy conditions. When visibility is lower, then people are more likely to have an accident because they cannot see what is traveling towards them.
The second reason is that the clocks are turned back one hour in the fall. This means that drivers have to deal with the fact that it gets dark an hour earlier. Most people will get out of work and it will be pitch dark. This makes it harder to see so many people get into accidents due to this issue.
The third reason is that the cold impacts the way that a car performs. Every hour that a car sits in a cold parking lot, the tire pressure decreases. When tires have low pressure, they are more likely to become flat or explode which causes the driver to veer off the road. This can be a very scary situation to be involved in so drivers need to maintain their cars and keep their tires inflated.
The fourth reason is that many drivers have issues with sliding during bad weather conditions. Many drivers get into accidents because their vehicles lose traction control while they are driving. Drivers need to drive slowly during poor weather conditions and add items like cases of water or sand bags to the trunk to help weigh the back of the car around do that it does not slide around.
According to a new study done by AAA, insurance agents have revealed that drivers have filed twenty three percent more car accident related claims during the winter. Many agents have said that the fact that there have been more winter storms lately is the reason behind such a huge jump in car insurance claims.
Many drivers take their chances during the winter months and drive to work anyway even if the roads are not safe. They do not want to use their vacation days unless they have to so they take a chance and drive on snowy or icy roads.
Insurance agents need to educate their policy holders on how to make sure that they have the right amount of car insurance coverage on their cars. Drivers should contact their insurance agents and review the policies that they have. Adding additional coverage may be necessary even though many people hate paying more per month for their insurance premiums.
Most drivers are required to have liability coverage on their vehicles. People with newer models of cars should consider purchasing a collision car insurance policy to protect their cars because they are so expensive.
If a person is involved in a car accident, then they should call the police because if the damage is serious enough then a police report needs to be filed. The drivers should exchange contact and insurance information at the scene of the accident. Make sure to copy down driver’s license numbers because some people do often give out fraudulent information about themselves. Photographs should be taken of the accident so that an investigation to determine fault can begin.
Then, the drivers should contact their insurance agents immediately to alert them about the situation. This helps the process to begin quickly so that the insurance claims can be reviewed and then the compensation for the accident related damages can be released. This winter has been a bad one so far, but drivers need to be aware of their surroundings, drive safely, and have the right amount of insurance coverage in case the worst happens.
Source:  The State Journal

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