The Risks of Driving in Fall—What Auto Insurance Covers

As the leaves change and the days grow shorter, fall brings driving challenges. Drivers should be aware of the risks associated with this season, including the following:

• Wet leaves—As leaves fall and accumulate on the roadway, they can create a slippery surface, especially when wet; this can lead to reduced traction and increase the risk of skidding or losing control of your vehicle.
• Fog—Fall often brings cooler temperatures and humidity, resulting in foggy conditions. Reduced visibility during fog can make seeing other vehicles, traffic signals and road signs challenging, increasing the likelihood of accidents.
• Early darkness—With daylight saving time ending, many drivers navigate roads in darkness during the evening rush hour. The lack of natural light can make it difficult to see pedestrians, cyclists and other vehicles, heightening the risk of collisions.
• Wildlife crossings—Collisions with deer or other animals can be sudden and dangerous, particularly during dawn and dusk when animals are most active.

What Your Auto Insurance Covers

When considering the risks associated with fall driving, it’s essential to understand how your auto insurance can protect you. The following common coverages may help provide financial protection after a covered accident or incident:

• Comprehensive coverage can help protect you against non-collision incidents, such as hitting a deer. If your vehicle sustains damage from an animal encounter, comprehensive coverage may pay for repairs minus your deductible.
• Collision coverage can help cover the costs of repairing your vehicle, minus your deductible, if you skid on wet leaves or collide with another vehicle or object due to poor visibility in fog.
• Liability coverage may help cover the costs associated with injuries to others and property damage. This is essential for protecting your financial assets in case of a lawsuit.
• Uninsured/underinsured motorist coverage may be beneficial during fall when driving conditions can lead to higher accident rates. If you are involved in an accident with a driver who lacks sufficient insurance, this coverage can financially protect you.

Contact Us

Contact James V. Funaro Agency in Bethpage, NY, for a personalized auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.