If you are at work today when it begins to snow and you have an accident on your way home because of the slippery roads, is it your fault? Unfortunately, it is. This is one of the most difficult issues to talk about with customers because they honestly feel that losing control of your car in the snow is an "Act of God" and should be considered a "No Fault" accident. I certainly understand their argument, but unfortunately, insurance companies see it differently. Insurance companies believe that driving in bad weather is the choice of the driver. Even though the alternatives may not be very desirable. Choosing to drive home in snow is a choice that most people make rather than taking public transportation or getting a hotel room and riding the storm out. Here are a few tips you can use to help avoid an accident while you are driving home this evening:
WASHINGTON - Driving in snowy conditions is never fun, no matter how experienced a driver is.
AAA Mid-Atlantic offers these tips for driving in snow:
- Slow down in snowy and icy conditions.
- Don't drive in heavy snow, unless it's completely necessary. (No, 1 to 4 inches is not heavy snow.)
- Dress warmly, in case you get stuck.
- Carry a cell phone in case you break down.
- Tell someone where you are going and when you expect to arrive.
- Carry a snow emergency kit.
- Use major routes that have been treated.
- Avoid slamming on the brakes.
- Don't pump the brakes if you have an anti-lock brake system.
- Avoid changing lanes.
- Don't use cruise control.
- Don't drive in four-wheel drive.
- Don't pass snowplows and spreaders. Make room for them.
- Don't spin your wheels. You'll only dig in deeper.
- Don't panic during a skid. Steer in the direction you want the front of the vehicle to go.
Make sure your car has an emergency kit. Here's what AAA recommends you put in it:
Good luck this winter! If you do have an accident and need some insurance advice you are welcome to give us a call. We are always happy to help, even if you aren't one of our Members!
- Blankets/sleeping bags
- Flashlight with extra batteries
- First-aid kit
- Drinking water
- Extra clothes
- Sand or cat litter for traction
- Jumper cables
- Tool kit
- Flares or orange triangles
- High calorie, non-perishable food