Winter can pose serious risks for car owners.  Find out what coverage your car needs this season.

With winter right around the corner, now might be a good time to consider the auto insurance coverage your can will need.  As temperatures drop and the weather worsens, it’s important that car owners have protection.  Here are some risks that your insurance should cover this winter.

Increased Chances of Collision

During the winter, wetter conditions combined with lower temperatures can leave roadways icy and slick.  If black ice forms on the road, then you might not see this danger before it’s too late.  Driving in icy conditions can make it extremely difficult to maneuver your car, and can ultimately increase your chances of getting into an accident.

Additionally, if you live in an area prone to heavy snowfall, then this could also increase your chances of an auto accident.  Driving when it’s snowing can obstruct your vision and can make it difficult to drive safely.  This too can increase your chances of a collision this winter.

Weather Damage

Another seasonal threat you should be covered for is the damage done by the elements.  For instance, if a winter hailstorm hits, you should have car coverage to pay for repairs such as broken windows and a dented exterior.  Other weather hazards include falling icicles, falling tree branches, and the damages caused by exposure to freezing temperatures.

Stolen Vehicles

During the colder months, many people leave their cars running while they’re away to keep their car toasty and warm.  However, leaving your car unattended while the engine is running can increase your chances of your car getting stolen.  Make sure that you have the necessary auto insurance to cover your losses if such an event were to happen to you.

These are just a few of the risks that you need coverage for this winter.  Speak to your auto insurance provider to discuss your risk and to update your coverage if necessary.  To find the best auto coverage for your needs, contact the experts at Scautub Agency in Scotia, New York.  Our professional team is ready to assist you with all your insurance needs this winter.