No matter how much driving experience you have, you should always remember this thumb rule: Never drive faster than what is safe for the current conditions. Even the most cautious motorists can experience difficulties. Bad weather can lead to a rapid change in road conditions and anxious travelers. Speed is a major factor

  • Speed-related crashes cost Americans $40.4 billion each year. (Insurance Information Institute, 2019) (Source:
  • Weather-related vehicle accidents kill more people annually than large-scale weather disasters. (The Weather Channel, 2018)
  • Every year, roughly 1.3 million people die in car accidents worldwide – an average of 3,287 deaths per day. (SaferAmerica, 2019)
  • About 21% of motor vehicle crashes are weather related. (FHWA, 2019) 70% of weather-related crashes happen on wet pavement, 46% during rainfall, 18% during snow or sleet, 16% on snowy or slushy pavement, 13% on icy pavement, and 3% in fog. (FHWA, 2019)

Vehicle Upkeep(Thunderstorms, ice or snow)

Having a vehicle well-maintained makes a major difference to how it handles in adverse weather, here are a few key areas but not limited:

  • Tires affect the way your vehicle handles, rides, brakes and your safety. Having correct tire pressure, tread depth, balanced and aligned can help keep your vehicle on the road.
  • Windshield wipers should be replaced every 6 months as soon as you notice visibility differences. (broken frames, metal corrosion, cracks, tears, missing pieces, rounded edges)
  • Headlight(s) maintenance starts with the UV coating that most lights have, it can become damaged from the sun that causes fogginess or a yellow tone. (purchase a headlight kit or head to your local car shop), headlight bulb replacement, light adjustments.
  • Brake(s) upkeep is vital. Stick with your service schedule outlined in your vehicle manual.

Driving Style (Defensive Driving)

  • Slow down
  • Turn on lights and wipers (as needed) some areas will have signs posted on the side of the road advising that “running lights” are required.
  • Increase following distance to 2-4 seconds when conditions require it
  • Prepare to handle a skid
  • Avoid puddles
  • Misty rain can create an oil slick on the road
  • Beware of icy patches (bridges, overpasses and shady spots are most likely to freeze)
  • Pay close attention how other motorists are driving while maintaining safe driving
  • Pull over if necessary (ensure it is safely to do so)

Insurance coverage (Contact Your Agent)

There’s plenty of preventative maintenance to do on your vehicle for all road conditions but, there’s only one policy that you need to ensure your protected, your insurance policy.

Call or text us today to find out if you have the right coverage or if you have questions (702) 262-9900

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