Auto insurance is essential year-round, but winter brings many additional hazards that your coverage needs to account for. Being protected can help you avoid a great deal of stress and financial burden. Before the season gets underway, it’s best to review your policy and consider filling in any gaps. Here are a few of the dangers drivers commonly face during the colder months.

Why It’s Important to Have Adequate Auto Insurance in Winter

1. Slick Roads 

Winter weather creates a variety of challenges for those behind the wheel. Slippery roads decrease braking ability and increase the chances of rear-end collisions. There’s also the possibility of hydroplaning when driving too fast on roads covered by water. Additionally, motorists must beware of black ice, which can suddenly cause a car to go sliding. As such, you want to make sure you not only have enough liability insurance to pay for any accidents but also collision coverage to help take care of repairs you may need for your vehicle. 

2. Holiday Traffic 

auto insuranceWith people traveling for the holidays and trying to get their Christmas shopping done, there tends to be an influx of traffic on the roads during wintertime. This means you need to be more aware of your surroundings and be especially vigilant about defensive driving. Many motorists are distracted and stressed out this time of year and fail to obey all the traffic laws. Protect yourself from potential accidents with collision and uninsured/underinsured motorist coverage. This will reimburse you for losses incurred if someone else hits you and doesn’t have proper auto insurance.

3. Damage to a Parked Car

Heavy winds and snow can cause a tree to topple over onto your car, a hailstorm can leave sizeable dents on the body of your vehicle, and large icicles hanging off nearby buildings can fall and cause severe damage. Under any of these circumstances, you would need comprehensive insurance designed to cover the car repairs for any non-collision incidents.


If you’re unsure whether or not your current auto insurance is adequate, contact Reed Brothers Insurance to discuss any areas that may be lacking in coverage. They’ll help ensure the policy is updated with all the protection needed to drive with peace of mind all winter long. For more than a century, the agency has been providing residents of Lexington, KY, and the surrounding communities with quality products tailored to fit each client’s specific needs. Call (859) 253-2728 to check out their options, or visit them online for more information on their services.