As the days get shorter and the air gets cooler, the arrival of fall brings changes not just to the weather, but also to driving conditions. Wet leaves, early morning fog, and even the possibility of unexpected snow can make roads more dangerous. If you’re not prepared, these challenges could lead to accidents. That’s why it’s essential to make sure your auto insurance is up to date before heading into fall.
Seasonal Driving Hazards
Fall driving comes with unique risks that differ from those of summer. For example, wet leaves may not seem as dangerous as ice, but they can be just as slippery. Leaves can also hide potholes or other road hazards, making it hard to navigate safely. Fog is more common in the fall, especially during early morning and evening hours, reducing visibility. It’s important to drive slower and leave more room between you and the car ahead.
And while snow isn’t typical in early fall, it can happen depending on where you live. Sudden snow or frost can catch drivers off guard, especially if their tires aren’t winter-ready. With these hazards in mind, it’s important to review your auto insurance coverage to ensure you’re fully protected.
Why Updating Auto Insurance is Essential
Before fall really kicks in, take a moment to look over your auto insurance policy. Ask yourself these questions: Does my policy include sufficient coverage in case I’m in an accident? Am I covered for potential weather-related damage?
Comprehensive coverage is especially important during fall. This type of insurance can cover damage caused by falling branches, flooding, or hitting an animal. Speaking of animals, fall is the peak season for deer activity. During the fall, deer are in their mating season and are more likely to cross the road, particularly at dawn and dusk, which increases the risk of an accident. Deer-related accidents can cause significant damage to your vehicle, not to mention potential injury to yourself or others. Without comprehensive coverage, you may be left footing the bill.
In addition, review your deductible. If your current deductible is high, you might consider lowering it ahead of the season. While a higher deductible can save you money on your premium, you’ll have to pay more out-of-pocket in the event of an accident. Fall is a risky time for drivers, so it might be wise to opt for a lower deductible temporarily.
Dealing with Fall Sun Glare
Another factor to consider when preparing for fall driving is the sun’s glare. During the fall, the sun sits lower in the sky during the morning and evening hours, when many people are commuting. This lower angle can create intense glare, which makes it hard to see traffic lights, pedestrians, and even other vehicles. To help reduce the risk, keep a pair of sunglasses handy and make sure your windshield is clean, as dirt and streaks can worsen the glare.
Take Action Now
Fall driving can be tricky, but proper preparation can make all the difference. Make sure your auto insurance policy provides the coverage you need, especially when it comes to weather- and animal-related incidents. Consider updating your coverage to include comprehensive protection, and be mindful of potential hazards like wet leaves, fog, and sun glare.
Being proactive with your insurance and staying alert on the road will help keep you, your passengers, and your vehicle safe this fall. Call Tom Needham Insurance to get answers to all of your coverage questions.
Learn more about Tom Needham Insurance Agency in Greensboro, NC.