Winter and Your Fort Wayne Car Insurance

Hope this driver’s Fort Wayne car insurance has coverage for the damages.

Extreme winter can bring Fort Wayne car insurance claims you didn’t plan for, so play it safe.

Winter can be quite the trickster. You never know if it is going to be a nice mild winter with great driving conditions, or if we are going to face extreme polar vortexes that plunge the area into record breaking lows and layers of ice.

To keep safe during periods of extreme weather, the best thing to do is just not drive if you don’t have to. Also make sure that your Fort Wayne car insurance is current and has enough coverage to protect you financially, for the times that you do drive.

Fort Wayne Winter Safety Information

From the Indiana State Patrol, here are some driving tips to keep you safe during the winter:

1. Keep extra blankets, food, and water in the car just in case you get stranded.
2. If you get buried in snow on the side of the road, turn your hazard lights on and put a flag on your antennae to bring attention to yourself.
3. Tell others where you are going and what roads you will travel when you are driving, during bad weather.
4. Pull your car to the side of the road and call police immediately after a car accident. The only time you would not move your vehicle out of traffic is if there were injuries.
5. Slow Down and give yourself extra time to get everywhere.

That last one will do wonders in keeping you out of a car accident and the premium for your Fort Wayne car insurance down.

Fort Wayne Car Insurance Tips

We all know that you have to have an insurance policy on your vehicle to be able to drive. The minimum insurance you are allowed to have, per the State of Indiana, are as follows:

• Uninsured Motorists: Bodily Injury: $25,000/$50,000
• Property Damage: $10,000
• Under insured Motorists: Bodily Injury: $50,000

Aside from being required, having car insurance is just as important as all of the other safe winter driving tips from the ISP above. It is important because when the weather turns the roads bad, you have less control of your vehicle and an increased chance that you will end up hitting someone. Insurance protects you from having to pay for damages to another person’s vehicle or injuries out of your own pocket.

Another way to protect yourself in the winter with your car insurance is to make sure you have enough coverage for damages to your vehicle and any injuries to yourself or the other people in your car. Your Fort Wayne car insurance agent will be able to help you with the coverages you need for the best winter driving protection.