The Importance of Comprehensive Coverage During Winter Months

Illinois winters are often characterized by severe weather and rapidly changing conditions, which make driving more hazardous and increase the likelihood of accidents. Even when your vehicle is parked, exposure to winter weather can still result in unexpected damage. Standard liability insurance may not address these situations, leaving you responsible for costs that may arise from seasonal risks.

What Does Comprehensive Coverage Include?

Comprehensive auto insurance is designed to cover your vehicle from noncollision events, including those that may be common during winter, such as:

• Damage from falling ice or tree branches
• Theft or vandalism while your car is parked
• Flooding from melting snow or ice
• Fire or weather-related incidents, including hail and wind
• Animal collisions

Who Should Consider Comprehensive Coverage?

If you rely on your vehicle for daily transportation or live in an area prone to severe winter weather, comprehensive coverage can be a valuable addition to your auto insurance policy. It may be particularly valuable for those who are not able to park their vehicles in covered garages. Furthermore, lenders may require comprehensive coverage if you’ve financed your car.

Tips for Minimizing Winter Vehicle Risks

While comprehensive coverage can address many winter-related incidents, taking preventive measures may help reduce the likelihood of damage or claims. Consider these steps:

• Regularly check tire tread and pressure for better traction on icy roads.
• Clear snow and ice from your vehicle before driving to maintain visibility and prevent accidents.
• Park away from trees or structures where branches and ice may drop on your vehicle.
• Keep your gas tank at least half full to avoid a fuel line freeze-up.
• Carry an emergency kit with essentials such as blankets, a flashlight and a shovel.

Our Team Can Help

At Praireland Insurance Group, we help local drivers find the right coverage. Contact us today to review your insurance options and get a free customized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.