Top Illinois Winter Auto Claims and How to Avoid Them

Winter in Illinois can be harsh, with snow, ice and freezing temperatures creating challenging driving conditions. These conditions often lead to an increase in auto insurance claims.

Common Winter Auto Claims

One of Illinois‘ most frequent winter auto claims involves collisions due to icy and snow-covered roads. Reduced traction makes it difficult for drivers to stop or maneuver safely, leading to accidents.

Black ice, which is nearly invisible, poses a particular risk as it can catch drivers off guard and cause sudden loss of control.

Another common claim during the winter months concerns weather-related damage. Heavy snowfall and ice accumulation can lead to incidents such as falling tree branches or ice chunks damaging vehicles.

Additionally, the weight of snow and ice can cause roofs or carports to collapse, substantially damaging parked cars.

Winter also brings an increase in roadside assistance claims. Cold weather can lead to a higher incidence of breakdowns, flat tires and dead batteries. Drivers may be stranded in freezing temperatures and require towing or other emergency services.

These claims highlight the importance of roadside assistance coverage, especially during winter.

Preventive Measures

To avoid common winter auto claims, it’s essential to take proactive measures to ensure your safety and the safety of your vehicle. One of the most effective ways to prevent collisions is to drive cautiously and adjust your speed according to road conditions.

Allow extra time and maintain a safe following distance to give yourself ample time to react to sudden changes.

Proper vehicle maintenance is crucial during the winter months. Ensure that your tires have adequate tread and are suitable for winter driving. Consider using winter tires, which provide better traction on snow and ice.

Regularly check your vehicle’s battery, brakes and fluid levels to ensure they are in good working condition. Keeping your gas tank at least half full can prevent fuel line freeze-ups and ensure you have enough fuel in case of unexpected delays.

Keep an emergency kit in your vehicle that includes blankets, a flashlight, extra batteries, a first-aid kit and non-perishable snacks.

Contact Us

Contact All Insured Insurance Agency for an auto insurance 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.