During the winter months, it's important to always be prepared for the unexpected. Whether you have car trouble or busted pipes in your home, make sure you are covered. Now is a good time to take a look at your personal insurance coverage and make sure that you are covered for weather-related mishaps. Alternatives Insurance Agency, serves Saint Charles, Lincoln and all surrounding Counties in Missouri, shares some helpful steps to follow if you are ever stranded with your car in the snow.
In Missouri winters, being stranded and having to wait to be rescued is a real danger. Taking the following precautions will help you remain safe in the event of a winter weather-related incident.
- Prepare Your Vehicle: Make sure your vehicle is ready for Missouri's winter weather. Keep plenty of gas in your car and make sure your tires and brakes are in good working condition. Keeping gas in your car helps keep the fuel line from freezing, and, in the event that you are stranded, enables you to run your engine and keep the heat on longer.
- Pack A Survival Kit: It's a good idea to keep a kit equipped with non-perishable food, water, warm clothes, blankets, waterproof matches, and flares in your vehicle. You'll need to stay hydrated, dry and warm to prevent dehydration and avoid hypothermia. Tea light candles are recommended to use for warmth, and brightly colored cloth or plastic that is easily visible should also be in the car. Having your own tow chain or strap is helpful in the event that you need to be towed or pulled out of a ditch.
- Plan Out Your Route: Avoid isolated or back roads, stay on heavily traveled routes where you'll be more likely to be spotted if you get stranded. If you are traveling in bad weather, let people close to you know where you're headed. Make sure your cell phone is fully charged in case you need to call 911 or communicate with your family.
- Stay With Your Vehicle: When you are stranded in the winter in Missouri, your car is the best protection from the cold. Rescuers will usually check all cars on the road, so by remaining in your vehicle, you are more likely to be found. If your family reports you missing they will also provide a description of your car, which is also easier to spot than a person walking. Abandoning your car in cold weather should be the absolute last resort.
Alternatives Insurance Agency understands the importance of being prepared for the unexpected. The Missouri-based insurance company will protect your car and other valuables with a variety of insurance options to meet your needs. They can assist you with obtaining homeowners' insurance, auto insurance, motorcycle insurance and watercraft insurance, and ensure that you are always covered. Alternatives Insurance Agency agents will carefully go over your policy, look for any discounts you may be eligible for, and provide you with competitive rates. Visit the company's website for a detailed description of every type of insurance they offer. Otherwise, you can contact the helpful agents at (636) 978-7260 in O'Fallon, (636) 327-9990 in Wentzville, or (636) 462-1778 in Troy to discuss your personal insurance options today.