Winter is a dangerous time to be on the roads. Snow, sleet, and freezing rain all make for poor driving conditions and increase the risk of devastating collisions. You can prepare your vehicle for the winter months by inspecting the tread on your tires; checking the levels of wiper fluid and antifreeze; storing winter gear, blankets, food, and water in the trunk in case you are stranded; and reviewing your car insurance policy.
Below, the knowledgeable team at Dunlap Agency in Fairbanks, AK, explains why winter weather requires specific kinds of auto insurance coverage:
Abandon Your Vehicle
If your car breaks down in the middle of a storm and you have to abandon it until conditions improve, you may return to find that it has been sideswiped by another vehicle or a snow plow. What if the automobile is vandalized or missing? It’s important you have coverage for these scenarios.
Hit Parked Cars While Stuck in a Skid
Even if you lose control of your vehicle and skid across the ice, you are still technically responsible for any damages your car causes. If you have collision coverage, it will encompass any destruction your vehicle sustains, while liability insurance will cover the impact incurred on the parked cars. Uninsured/Underinsured Motorist Property Damage insurance covers the repairs if the situation is reversed and someone hits your parked automobile but does not leave their contact information.
Lose Your Vehicle to Theft
During the winter, it’s common practice to turn on your vehicle and let it warm up before driving. However, doing so also leaves it vulnerable to theft. If your car is stolen, you would need comprehensive coverage to recoup the loss.
If you want to purchase more car insurance before winter strikes, turn to Dunlap Agency. Serving the community since 1986, they offer personalized assistance to fit you with the right policy for your needs and budget. To learn more about the coverage they offer, visit their website, or call (907) 456-5202 to discuss your needs today.