{"id":123292,"date":"2024-12-10T22:35:47","date_gmt":"2024-12-11T06:35:47","guid":{"rendered":"https:\/\/blogv2prod.wpenginepowered.com\/blog\/?p=123292"},"modified":"2025-03-25T23:41:43","modified_gmt":"2025-03-26T06:41:43","slug":"weather-car-insurance-and-other-safety-tips-against-bad-weather","status":"publish","type":"post","link":"https:\/\/www.carparts.com\/blog\/weather-car-insurance-and-other-safety-tips-against-bad-weather\/","title":{"rendered":"Weather Car Insurance and Other Safety Tips Against Bad Weather"},"content":{"rendered":"<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 5<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span><style>.kadence-column123292_3d7e90-8b > .kt-inside-inner-col,.kadence-column123292_3d7e90-8b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column123292_3d7e90-8b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column123292_3d7e90-8b > .kt-inside-inner-col{flex-direction:column;}.kadence-column123292_3d7e90-8b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column123292_3d7e90-8b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column123292_3d7e90-8b{position:relative;}@media all and (max-width: 1024px){.kadence-column123292_3d7e90-8b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column123292_3d7e90-8b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column123292_3d7e90-8b inner-column-1 qk-look-widget\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-ultimate-post-row ultp-block-e394a2  qk-main-wrap\"><div class=\"ultp-row-wrapper\"><div class=\"ultp-row-content\">\n<div class=\"wp-block-ultimate-post-column ultp-block-d4dc90\"><div class=\"ultp-column-wrapper\"><style>.wp-block-kadence-advancedheading.kt-adv-heading123292_64071d-9d, .wp-block-kadence-advancedheading.kt-adv-heading123292_64071d-9d[data-kb-block=\"kb-adv-heading123292_64071d-9d\"]{text-align:center;font-size:20px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading123292_64071d-9d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading123292_64071d-9d[data-kb-block=\"kb-adv-heading123292_64071d-9d\"] mark.kt-highlight{font-family:Inter;font-weight:500;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading123292_64071d-9d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading123292_64071d-9d[data-kb-block=\"kb-adv-heading123292_64071d-9d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<div class=\"kt-adv-heading123292_64071d-9d summary-title wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading123292_64071d-9d\"><span>Summary<\/span><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurance companies don&rsquo;t offer special policies that are exclusively tailored to protect your vehicle against winter-related damage. However, you can raise your current liability limits or reduce your coverage level if you plan on storing your vehicle in the garage for a few months.<\/li>\n\n\n\n<li>Collision insurance protects your vehicle from collision-related accidents. For example, any damage caused by two cars crashing into each other in the snow is covered by collision insurance.<\/li>\n\n\n\n<li>Comprehensive insurance will protect you against damage caused by non-collision events, such as weather-related accidents. For example, when harsh winds cause a tree branch to fall on your car, comprehensive insurance will cover the repairs.<\/li>\n\n\n\n<li>To weatherproof your car, park indoors, get snow tires, and prepare an emergency kit.<\/li>\n\n\n\n<li>If a hurricane is approaching, you can protect your car by preparing your vehicle, steering against the wind, and avoiding driving next to taller vehicles.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n\n\n<p>From ice storms to hurricanes, extreme weather events can damage your vehicle and leave you with an expensive repair bill. The good news is that there are different ways you can protect yourself from weather-related damage and financial distress. This is where weather car insurance comes in.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do I Need Special Car Winter Insurance?<\/h2>\n\n\n\n<p>While insurance companies don&rsquo;t offer special policies that are exclusively tailored to protect your vehicle against winter-related damage, there are ways you can protect it during winter.<\/p>\n\n\n\n<p>You can raise your current liability limits or reduce your coverage level if you plan on storing your vehicle in the garage for a few months.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Will My Car Insurance Cover Winter Weather-Related Accidents?<\/h2>\n\n\n\n<p>It depends on your current insurance plan. There are two types of insurance policies that you can consider, namely collision insurance and comprehensive insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Collision Insurance<\/h3>\n\n\n\n<p>This policy protects a vehicle from collision-related accidents. For example, any damage caused by two cars crashing into each other in the snow is covered by collision insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comprehensive Insurance<\/h3>\n\n\n\n<p>On the other hand, comprehensive insurance will protect you against damage caused by non-collision events, such as weather-related accidents. For example, when harsh winds cause a tree branch to fall on your car, comprehensive insurance will cover the repairs.<\/p>\n\n\n\n<p>Damage caused by hurricanes, wildfires, earthquakes, and other natural disasters outside of your control are also covered in this policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How To Weatherproof Your Car<\/h2>\n\n\n\n<p>While the right insurance policy can help you save on repairs, keeping your car safe should still be a top priority. Here are tips on how to weatherproof your vehicle:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Park Indoors<\/h3>\n\n\n\n<p>Before the storm hits, park your car in your garage. This is the best way to keep it safe from the elements.<\/p>\n\n\n\n<p>If you don&rsquo;t have a garage, invest in a high-quality winter cover for your car. Just be sure to park on higher ground or move it closer to your house, which can protect it from the wind. Avoid parking under trees and power lines that could fall over.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Get Snow Tires<\/h3>\n\n\n\n<p>Also known as winter tires, snow tires are specifically designed to give your car a better grip on icy roads. This means you&rsquo;re less likely to skid and lose control of your vehicle while driving on snow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prepare an Emergency Kit<\/h3>\n\n\n\n<p>Keep an emergency kit in your car at all times. Be sure to stock up on essentials, such as a first aid kit, flashlight, jumper cables, and shovel. We also recommend bringing a shovel, a tire repair kit, and traction mats in case you get stuck in the snow.<\/p>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\">How To Protect Your Car From a Hurricane<\/h2>\n\n\n\n<p>Here are helpful pointers on how to protect your car from a hurricane:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prepare Your Vehicle<\/h3>\n\n\n\n<p>Before driving in inclement weather, make sure your vehicle is ready. Check on your tire pressure, and inspect your windshield wipers. Fill your gas tank in advance, so you can avoid long lines at the gas station.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Steer Against the Wind<\/h3>\n\n\n\n<p>If your vehicle gets caught in the storm, don&rsquo;t panic. Stay calm as you slowly steer against the wind to guide your car in the right lane.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Avoid Driving Next to Taller Vehicles<\/h3>\n\n\n\n<p>Harsh winds can cause tall vehicles to roll over, so do your best to avoid driving next to them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Drive Slowly<\/h3>\n\n\n\n<p>It&rsquo;s best to <a href=\"https:\/\/www.carparts.com\/blog\/water-damaged-car-problems-how-to-inspect-insurance-tips\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"avoid driving through flooded roads\">avoid driving through flooded roads<\/a>, but if it&rsquo;s your only route going home, then take it easy and drive slowly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Review and Update Your Car Insurance<\/h3>\n\n\n\n<p>Not all insurance policies include weather protection, so be sure to review and update your insurance if necessary. You can apply for a comprehensive car insurance policy that covers damages caused by hurricanes and other natural disasters.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How To Protect Your Car From an Ice Storm<\/h2>\n\n\n\n<p>If an ice storm is approaching, you&rsquo;ll have to be prepared for the worst. Here are tips on how to protect your vehicle from an ice storm:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prepare Early<\/h3>\n\n\n\n<p>Check your tire tread, and replace them if necessary. Invest in snow tires or tire chains, which you can mount on regular tires.<\/p>\n\n\n\n<p>Make sure to refill your vehicle&rsquo;s windshield wiper fluid reservoir, and top off your coolant if it&rsquo;s running low.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Monitor the Weather<\/h3>\n\n\n\n<p>You never know when the ice storm might change its course, so it&rsquo;s best to keep tabs on the weather as often as possible. Tune into the radio or watch the news to stay up to date on the latest forecast.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Stay at Home<\/h3>\n\n\n\n<p>As much as possible, stay at home. That thick layer of snow might look like a winter wonderland, but it&rsquo;s dangerous to drive through. Reschedule any plans, and stay warm with your loved ones at home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Steer Into the Skid<\/h3>\n\n\n\n<p>If staying at home isn&rsquo;t possible, be sure to be extra careful while driving. Maintain a safe following distance, and apply the gas slowly to avoid losing traction.<\/p>\n\n\n\n<p>If you do start to slide on the ice, don&rsquo;t panic. Steer in the direction you&rsquo;re sliding until you find traction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Are You Safe From Lightning in a Car?<\/h2>\n\n\n\n<p>Being stuck in your car in a storm can be scary, but it&rsquo;s better than standing outside in the rain. You can be safe from lightning inside your vehicle as long as you pull over at the nearest parking spot, turn off the ignition, and avoid touching any metal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where to Get a Roadside Emergency Kit<\/h2>\n\n\n\n<p>You never know when you&rsquo;ll run into an emergency, and the weather can easily take a turn for the worst when you least expect it. The great news is that, with a roadside emergency kit, you can be better prepared in case of a weather-related accident or breakdown. You can make your own kit or conveniently order one from CarParts.com.<\/p>\n\n\n\n<p><a href=\"http:\/\/carparts.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\"CarParts.com\">CarParts.com<\/a> offers a wide selection of roadside emergency kits, so you&rsquo;re sure to find one that best suits your needs. Get one with the basic necessities or splurge for a bigger kit that contains flares, ropes, and other tools. Whichever you choose, we&rsquo;re confident you&rsquo;ll be pleased with your order. If for whatever reason you aren&rsquo;t 100% happy with your purchase, you can return it within 60 days of your purchase. Just reach out to our customer support staff, who are available 24\/7 to help you.<\/p>\n\n\n\n<p>Don&rsquo;t wait until you find yourself stuck in the middle of the road during inclement weather before investing in a roadside emergency kit. Stay safe no matter the weather by ordering a <a href=\"https:\/\/www.carparts.com\/roadside-emergency-kit\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"roadside emergency kit\">roadside emergency kit<\/a> from CarParts.com today.<\/p>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 5<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span>From ice storms to hurricanes, extreme weather events can damage your vehicle and leave you with an expensive repair bill&#8230;. <a href=\"https:\/\/www.carparts.com\/blog\/weather-car-insurance-and-other-safety-tips-against-bad-weather\/\" rel=\"nofollow\">Read More<\/a><\/p>\n","protected":false},"author":4,"featured_media":123562,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[3768],"tags":[],"ppma_author":[2607,3269],"class_list":{"0":"post-123292","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lifestyle","8":"entry"},"acf":{"adrotate_specific_mobile_ad":"","adrotate_specific_desktop_ad":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Weather Car Insurance and Other Safety Tips Against Bad Weather - In The Garage with CarParts.com<\/title>\n<meta name=\"description\" content=\"Learn about the best weather car insurance policy and safety tips to protect your car against hurricanes and other weather-related damage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.carparts.com\/blog\/weather-car-insurance-and-other-safety-tips-against-bad-weather\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Weather Car Insurance and Other Safety Tips Against Bad Weather - In The Garage with CarParts.com\" \/>\n<meta property=\"og:description\" content=\"Learn about the best weather car insurance policy and safety tips to protect your car against hurricanes and other weather-related damage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.carparts.com\/blog\/weather-car-insurance-and-other-safety-tips-against-bad-weather\/\" \/>\n<meta property=\"og:site_name\" content=\"In The Garage with CarParts.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/carpartscom\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-11T06:35:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-26T06:41:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.carparts.com\/blog\/wp-content\/uploads\/2024\/12\/weather-car-insurance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@carpartscom\" \/>\n<meta name=\"twitter:site\" content=\"@carpartscom\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.carparts.com\\\/blog\\\/weather-car-insurance-and-other-safety-tips-against-bad-weather\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.carparts.com\\\/blog\\\/weather-car-insurance-and-other-safety-tips-against-bad-weather\\\/\"},\"author\":[{\"@type\":\"Person\",\"$id\":\"4\",\"name\":\"CarParts.com Research Team\",\"jobTitle\":\"Expert Automotive Writer\",\"description\":\"The CarParts.com Research Team is composed of experienced automotive and tech writers working with (ASE)-certified automobile technicians and automotive journalists to bring up-to-date, helpful information to car owners in the US. 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