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In some parts of the U.S., the erratic weather that arrives with late winter and early spring is known as "mud season" as fluctuating temperatures can create a mucky mess.

The thawing of previously frozen terrain also causes headaches for drivers who discover that cold-weather moisture has created dangerous craters and crevices in the road. Attempting to navigate such "potholes" can result in big problems as they damage vehicle steering, suspension and alignment, State Farm says. Although pothole damage is covered by most vehicle collision policies, the expense may not exceed a policyholder's deductible, which means repair costs would have to be paid out-of-pocket.

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Elana Ashanti Jefferson

Elana Ashanti Jefferson serves as ALM's PropertyCasualty360 Group Chief Editor. She is a veteran journalist and communications professional. Reach her by sending an e-mail to [email protected].