Blog Layout

Drivers need to watch out for these fall road hazards:

August 30, 2020
Whether it’s wildlife or children darting across the road unexpectedly or the onslaught of cold and rainy weather, the fall season presents extraordinarily high road hazards for drivers. Here are some tips to keep in mind as we enter the fall and winter months: 

Fall road hazards from wildlife crossing the road: Sep – Nov are high animal collision months, presenting greater road hazards for drivers. In fact, you’re 3.5 times more likely to hit an animal — especially a deer — in November than in any other month, cautions the Insurance Institute for Highway Safety.

Some 36 percent of auto claims resulting from a wildlife collision occur during autumn, primarily due to animal migration patterns. More specifically, deer are likely to be mating in November; that’s why you see more of them. Some 10,000 drivers strike wild animals every year; 89 percent of them occur on two-land rural roads.

Because wildlife is most active at dawn and dusk, drivers should avoid the roads during these times if possible, keeping to broad daylight hours. Stay in the middle lane when possible, because you’ll have more time to spot animals as they attempt to cross.

Hitting a large animal such as deer can be just as dangerous as colliding with another vehicle. If an animal collision occurs, pull over and call local law enforcement, who will explain what you need to do next. Some states have special requirements regarding animal collisions. Don’t forget to take photos to provide your claims adjuster.

Kids back to school: Often kids are as bad as animals for not checking the road before they try to cross, creating additional road hazards for drivers. Avoid school zones and be hyper-vigilant just before and after school hours. Remember that it’s illegal to pass a bus that’s loading or unloading kids on an undivided road.


And don’t forget about student drivers. According to the National Safety Council, teen crashes spike in September when kids head back to school, particularly just before and after school hours.


Shorter days and worsening weather: Dusk, dawn and darkness happen more often during the fall and winter, making it harder for drivers to see. While just 25 percent of our driving is at night, 50 percent of traffic deaths occur then, says the National Safety Council. They also say that often a 50-year-old driver needs twice as much light to see as well as a 30-year-old.


Rainy days also impact visibility, as does a fogged windshield on a cold, wet day. To combat these road hazards, you are better not to start your trip until the visibility is clear in the windshield, windows and mirrors. Also, slow down on rain-slick roads, particularly if it’s the first rain in awhile.


Probably because it’s the start of the winter season, but 34 percent of skidding and snow claims happen between October and December. Remember to ensure your vehicles have plenty of tread left on their tires, and that tires are properly inflated. Check the battery, windshield wipers, wiper fluid and anti-freeze levels, and keep gas tanks at least half full.


Holiday shopping: As the holidays approach, shoppers converge on malls and shops, short on time and patience. Reports indicate that 25 percent of parking lot claims happen between October – December. They recommend:


  • Park further away from cars. Tight spaces can increase the chances of being hit by a car door or another vehicle.
  • Park in well-lit areas and be aware of who is nearby when walking to a vehicle or pulling out of a parking space.
  • Don’t park near cart returns. It reduces the chances of an errant cart drifting into your vehicle.


 Auto theft: ‘Tis the season for auto thefts as well, as autumn turns into winter. It goes without saying, but we’ll repeat it anyway: Don’t leave doors unlocked. Don’t leave packages, electronics or briefcases visible on the seats. In fact, don’t leave anything of value in the car – even in the trunk.


Keep safe this season!


By Jerry Smith January 22, 2025
The shock and adrenaline rush after a car accident can cloud your judgment, making it difficult to know what to do next. But taking the right steps immediately can significantly impact your safety, legal rights, and the efficiency of the insurance claim process.
By Jerry Smith December 23, 2024
Life insurance can seem like a labyrinth of confusing terms and options. But in the grand scheme of securing your loved ones' future, navigating it is crucial. Two of the most common choices are whole life and term life insurance, each catering to distinct needs and budgets. So, how do you determine which one deserves a spot in your financial tapestry? Let's unravel the intricate threads of whole life vs. term life insurance and empower you to make an informed decision.
By Jerry Smith November 21, 2024
When hiring contractors for home projects, ensuring they have proper insurance coverage is crucial. Let's explore why verifying contractor insurance matters and how it shields your property during renovations or repairs.
By Jerry Smith November 11, 2024
Roadside emergencies happen when you least expect them. From flat tires to dead batteries, being stranded on the side of the road can be a stressful experience. That's where roadside assistance, an optional add-on to your auto insurance policy, comes into play.  Roadside assistance is a service that provides help when your vehicle breaks down or encounters problems while on the road. It typically includes services such as:
By Jerry Smith September 25, 2024
Embarking on a home renovation project is an exciting endeavor that can breathe new life into your living space and add value to your property. However, amidst the anticipation and creativity that renovations bring, it's crucial not to overlook the impact they can have on your home insurance.
By Barbara Smith July 29, 2024
Life insurance is a crucial financial tool that provides protection for you and your loved ones. However, as life unfolds, your insurance needs may change due to significant life events. Regular policy reviews are vital to ensure your life insurance coverage remains relevant and adequate throughout life's various milestones. Life Event: Marriage  Marriage marks a significant life event where you share financial responsibilities with your spouse. A policy review is essential to assess if your current coverage is sufficient to support your partner in the event of your passing. You may also consider adding your spouse as a beneficiary to your policy. Life Event: Becoming a Parent Welcoming a new addition to your family brings joy and increased responsibilities. A policy review during this life event allows you to evaluate your life insurance needs to protect your child's future. You may consider increasing coverage to cover childcare expenses and ensure their financial security in case of the unexpected. Life Event: Buying a Home Purchasing a home is a significant financial commitment. A policy review can help you determine if your life insurance coverage is adequate to protect your family from mortgage debt if something were to happen to you. Ensure your loved ones can maintain the home without financial strain. Life Event: Career Advancement As your career advances, your income and financial responsibilities may change. A policy review enables you to assess whether your current coverage aligns with your new financial status. You may consider increasing coverage to ensure your family's lifestyle remains protected. Life Event: Retirement Planning Approaching retirement, a policy review helps you evaluate your life insurance needs as you transition into this new phase of life. Consider whether you still need coverage and if your policy aligns with your estate planning goals. You may explore options that provide supplemental income during retirement. Life Event: Estate Planning As you plan your estate, a policy review is crucial to ensure your life insurance beneficiaries are up-to-date and reflect your current wishes. Reviewing your coverage ensures that your loved ones receive the intended financial support. Life events play a significant role in shaping your life insurance needs. Regular policy reviews are key to ensuring your coverage remains adequate and relevant throughout life's various milestones. Whether you're getting married, starting a family, buying a home, advancing in your career, or planning for retirement, staying up-to-date with your life insurance policy empowers you to make informed decisions. By prioritizing regular policy reviews, you can confidently navigate life's changes and secure the financial protection you and your loved ones deserve.
By Jerry Smith February 19, 2024
When a disaster strikes, whether it's a fire, storm, or burglary, your home and belongings can suffer significant damage. In such unfortunate circumstances, knowing what to do after a disaster is crucial. This blog post will guide you through the necessary steps to take after a disaster strikes and how to navigate the home insurance claims process smoothly.
By Jerry Smith October 26, 2023
When it comes to auto insurance, there are essential coverage options to protect you and your vehicle. However, you can also enhance your policy with additional add-ons that provide extra layers of protection and peace of mind. In this blog post, we will delve into the various add-ons and additional coverage options available for auto insurance. From roadside assistance to rental car coverage, we'll explore these options that can make a significant difference in times of need.
By Jerry Smith May 30, 2023
Life insurance is a valuable investment that provides your loved ones with financial security and peace of mind. Most people think of life insurance as a way to provide for their family in the event of their untimely death. However, life insurance can be used in a variety of ways beyond just protecting your family's future.
By Jerry Smith April 6, 2023
When it comes to protecting your assets and finances, having adequate insurance coverage is essential. While most people are familiar with auto, home, and health insurance policies, there's another type of insurance that's often overlooked - umbrella insurance. In this post, we'll explain what umbrella insurance is, who needs it, and why it's important to consider.
More Posts
Share by: