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The strong El Niño, which had a moderating influence on the recently concluded Atlantic Hurricane season, also could help tamp down discussions of polar vortexes this winter — and that’s good news for homeowners.

But forecasters predict El Niño could bring cooler but wetter conditions in Southern states and above-average temperatures in the North. These weather conditions could contribute to an increase in car crashes — and that’s bad news for motorists and insurers.

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