Winter Insurance Coverage

December 30, 2022

How to Maximize Protection for Yourself and Your Vehicle in Hazardous Conditions

Winter driving in Northwest Wisconsin presents many challenges: ice, snow, slippery surfaces, fallen limbs, and let’s face it – other drivers. There are several things you can do to the vehicle you are driving to decrease your risk of an accident or collision, but there may be something you haven’t thought of (in addition to basic prevention and protection) – enhancing your insurance coverage during the winter months. Let’s go over the basics of protecting yourself and your vehicle in the winter. Remember to put a little P.E.P. (Prevent, Expand, and Prepare) in your step before you drive this winter. 

  1. Prevent

You can prepare as much as possible for adverse weather conditions, but it’s also important to try to prevent accidents by ensuring your car is winter-ready. Keep up-to-date with preventative maintenance like tire rotations, oil changes and battery checks; and with gas stations far and few between, make sure you always have at least a half tank of gas or more in your car. The basics of being covered in the winter start before the season ever does. Prevent accidents with a well-prepared vehicle. 

  1. Expand

At Jensen-Sundquist, we can help you expand your insurance coverage throughout the winter to better prepare for untimely accidents. You can add comprehensive coverage to cover accidents with animals (we’re looking at you, deer in headlights), windshield damage and other weather-related damages. Ask us about roadside assistance as well – when it’s below zero and something happens, having comprehensive vehicle coverage available will put your mind at ease. 

  1. Prepare

Driving prepared can mean a number of things. Make sure your phone is charged before you leave the house in case you get into an accident. Leave your house earlier so that you can drive slower on slippery roads. Have an emergency kit ready at all times – there doesn’t need to be a snow storm for something to happen and you find yourself needing extra water, snacks and blankets. 
Winter driving isn’t always easy – you may find yourself on slippery roads, unable to see around piled high snow banks or behind a long-line of cautious drivers. The last thing you want to find yourself in is an accident where your vehicle is damaged, or worse, you or other people are hurt. Call your local Jensen-Sundquist agency to discuss your options for preparing you and your vehicle over the winter months.

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