Winter Drives Up Auto Claims 12 Pct.: Travelers

NU Online News Service, Jan. 20, 4:02 p.m. EST?Auto accident claims rise in frequency by some 12 percent during January and February compared to non-winter months, according to a recent insurer study on claims incidence.[@@]

Peter McMurtrie, vice president of claim services at the Hartford, Conn.-based Travelers Property Casualty Corp., which did the study, said snow storms and icy conditions present "a particular set of driving hazards" for drivers. He added that preparing the vehicle for the winter and knowing how to react in severe conditions or if stranded are the keys to safe winter driving.

His company has a number of suggestions that agents can make to customers to prevent accident losses:

? Before a snowstorm hits, have a mechanic check the car's battery, brakes, fluid levels (antifreeze, windshield washer fluid and oil), as well as the heating and exhaust systems.

? Try to keep the gas tank full during winter months. Don't allow the gas to go below half a tank. This will avoid running out of fuel and damage from gas line freezing.

? Install snow tires or all-weather radials.

? Keep an adequate supply of windshield washing liquid to wash away mud and melted snow that can limit visibility.

? Prepare for an emergency. Keep blankets, flares, a sack of sand for traction, shovel, windshield scraper and brush, tool kit, towrope, booster cables, and a flashlight with extra batteries in the trunk.

? Use caution while pulling out of streets where visibility is blocked by mountains of snow.

? Back the car into the driveway to have better vision when pulling out.

? Be aware that in winter, die-hard joggers may be running in the street for a clearer path.

? When waiting to make a left-hand turn, keep wheels pointed straight ahead. If wheels are turned to the left in anticipation of making the turn and the car is rear-ended, the car will be pushed into the path of oncoming traffic.

? If the car doesn't have anti-lock brakes and if it starts skidding on the ice, try not to slam on brakes. Instead, gently pump brakes to maintain better control and prevent wheels from locking. If the car does have anti-lock brakes, slam on brakes when skidding on the ice.

? If forced to travel during a severe storm, don't travel alone. Notify someone of the estimated time of arrival as well as primary and alternate travel routes.

? If stuck, stay in the car and wait for help. Run the engine and heater sparingly. Also make sure the exhaust pipe is clear of snow and ventilate the car.

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Winter Drives Up Auto Claims 12 Pct.: Travelers

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