Winters in Canada can be incredibly difficult for drivers to navigate. The combination of snow, ice and reduced visibility leads to an increase in collisions during this season. Nearly 30% of car accidents in Canada happen on snowy or icy roads.
What can you do to keep yourself safe while driving on snowy roads? How can an accident affect your auto insurance rates? Read on to learn why you should be careful during the winter months.
Why Winter Months See More Collision Claims
Staying alert and attentive while driving during the winter months can reduce the risk of getting into an accident.
Consider bringing an emergency kit in your car when driving in the winter. Blankets, food, water, road flares and other basic tools can help if you get stranded in rough weather.
Several factors contribute to accidents during the winter:
Icy Roads
The formation of ice on roads is a major hazard. Black ice can be nearly invisible and extremely slippery, catching even experienced drivers off guard.
Reduced Daylight
As daylight saving time ends in early November, the sun starts setting earlier, leaving drivers to travel during longer periods of darkness.
Weather Conditions
Heavy snowfall can reduce visibility, making it challenging to determine what’s ahead of you and how far it is from your car. This is especially dangerous on highways, where poor visibility can delay a driver’s response.
Holiday Distractions
The holiday season brings increased travel as people rush to complete shopping or attend gatherings. This heightened activity can lead to distracted driving.
Insufficient Vehicle Maintenance
Driving in winter means keeping your vehicle prepared for poor visibility and reduced traction. Failing to keep headlights and taillights clear or using unsuitable tires can create dangerous situations.
The Impact of Winter Accidents on Your Insurance Premiums
Collisions that occur during winter pose immediate dangers and may have financial implications for drivers. When an accident occurs, insurance companies assess liability based on the circumstances. Snow and ice do not remove a driver’s responsibility to operate the vehicle safely.
If you are deemed at fault in a collision during the winter, your insurer may adjust your rates. Accident forgiveness may limit the effect, depending on the terms of your policy.
Preventative Measures for Safe Winter Driving
Here are some measures you can take to keep yourself and other drivers safe on winter roads:
Install Winter Tires
Winter tires help maintain traction on snowy and icy roads. They should be installed when temperatures drop below 7°C, as all-season tires lose elasticity and performance in colder conditions.
Adjust Your Driving Habits
Allow extra time for trips during the winter and avoid rushing. Maintain a safe following distance and reduce your speed on slippery roads. Avoid distractions such as taking calls, texting or eating while driving.
Maintain Your Vehicle
Regular maintenance checks are important during the winter. Make sure your brakes, windshield wipers and lights are in good condition. Clear snow from your vehicle before driving.
View our comprehensive guide on how to prepare your car for winter.
Carry an Emergency Kit
Keep an emergency kit in your vehicle with blankets, food, water, a flashlight, jumper cables and a shovel. These supplies can be useful if you become stranded and need to wait for assistance.
Stay Informed
Before heading out, check the weather forecast and road conditions. If conditions are poor, consider postponing your trip.