Insurance companies are bracing themselves for a surge in auto insurance claims during the holiday season. The holidays are a busy time for many people, and the celebration can lead to an increase in insurance claims. Even if you have the best car insurance policy, it’s a good idea to avoid claims altogether. To have a claim-free holiday season, here are some quick tips.
1. Keep Your Vehicle Maintained
Keeping the maintenance schedule of your vehicle is vital to avoiding an accident. When you neglect vehicle maintenance, you might end up facing an insurance claim. Be sure your tires are properly inflated and you have regular oil changes. Also, make sure to keep plenty of windshield wiper fluid.
Driving defensively can also help lower your risk of an accident. Avoid tailgating, keep a safe distance between you and other vehicles, maintain awareness at all times, and use your turn signals.
Be Aware of Road Conditions
Road conditions during the holiday season can be dicey. Ice, snow, and rain can cause slick conditions, and this can lead to accidents. When driving in bad weather, take it slow and be aware of your surroundings. If the conditions are too dangerous, pull off the road until it is safe to drive again.
2. Avoid Driving Late at Night
If you must drive during the holiday season, it is best to do so in daylight. When you travel after dark, there is a greater chance of being in an accident. This is because you cannot see hazards as well, and it is more difficult to judge distances.
3. Keep Your Alcohol Consumption in Check
It is always important to drink responsibly, but it is especially crucial during the holiday season. When you drink and drive, you are putting yourself and others at risk. A DUI can lead to hefty fines, loss of driving privileges, and even jail time. If you are hosting a party, serve non-alcoholic beverages and plenty of food, so guests can eat beforehand. Have a designated driver or take public transportation if you will be drinking.
4. Renew Your Vehicle License Disc
In some areas, it is a law that you must have proof of insurance and current vehicle registration. In the event of an accident or a police stop, a valid license disc could save you from being ticketed. To avoid a citation and to ensure your vehicle is legal, be sure to renew your license disc before the holiday season begins.
5. Be Sure You Have Travel Insurance
If you are traveling during the holidays, make sure you have holiday travel insurance. This will cover you in the event of an accident and can give you peace of mind while away from home.
6. Keep Track of Your Car Keys at All Times
Losing your car keys can lead to a lot of headaches, especially if you are unable to get into your vehicle. To avoid this, always keep track of your car keys and never leave them in your vehicle. If you do misplace your keys, immediately contact the locksmith to find out the best course of action.
7. Avoid Texting While Driving
Texting can be a dangerous activity to do while driving. If you need to send a text, pull over and park before doing so. To avoid the temptation to text and drive, turn off your phone or set it on silent. If your car is equipped with a hands-free device, use that to answer calls and send texts.
The holidays are a time for celebration, so it is important to stay safe behind the wheel.
8. Know the Law
States have different laws on what you must report after an accident. For instance, in some states, you are required to report the accident within a certain time period after it happens. Be sure to familiarize yourself with the laws of your state so you know what to do after an accident.
10. Avoid Holiday Traffic Jams
Avoid holiday traffic jams by planning ahead and leaving early. If you know there will be an increase in vehicle and pedestrian traffic, leave earlier than usual. This will help you avoid being stuck in traffic for hours, leading to frustration and accidents.
If you are traveling this holiday season, be sure to follow these tips to help avoid car insurance claims. By being aware of your surroundings, driving defensively, and planning ahead, you can keep yourself and your loved ones safe on the roads.