As winter weather affects many parts of the United States, State Farm is advising drivers to prepare for roadside emergencies and review their auto insurance coverage. The U.S. Department of Transportation reports that over 70 percent of the nation’s roads are located in regions that experience snow, which includes areas in some southern states.
State Farm suggests removing unnecessary items from vehicle trunks and replacing them with supplies that could be essential during a winter emergency. “Standing along a cold road waiting for help or even sitting in a vehicle that won’t start can quickly become an uncomfortable and even life-threatening experience,” the company stated.
The insurer recommends drivers carry specific items in their vehicles, such as hazard triangles or road flares, first aid kits, jumper cables or battery chargers, windshield scrapers and brushes, spare tires with proper equipment, blankets and warm clothing, cell phones with chargers, flashlights with batteries, high-calorie non-perishable food and water, as well as any crucial medications.
In addition to preparing emergency supplies, State Farm advises reviewing insurance policies to ensure adequate protection during winter months. The checklist includes knowing deductibles for accidents, checking collision and comprehensive coverage limits (which may cover damage from sliding off roads or falling branches), ensuring uninsured motorist coverage is included for incidents involving uninsured drivers, confirming access to roadside service through the policy, and keeping insurance cards and claim contact information easily accessible.
According to State Farm: “In addition to tossing and replacing trunk contents with items needed during a deep freeze, State Farm says it could be a mistake to give your insurance coverage a cold shoulder. Proper coverage can reduce the financial challenge of a major fender bender.”
These precautions aim to help motorists remain safe if stranded by treacherous driving conditions this winter season.
