Thursday, January 26, 2012

Don’t Drop Comprehensive and Collision Coverages in the Winter

By: Edward L. Blais, JD, CIC

After the Holidays, it can be an expensive time of year paying all the bills, and you may be thinking of dropping your comprehensive and/or collision coverage on your older car to lighten your monthly premium payment. However, we suggest you consider these reasons to keep coverage at least during the winter months.

The winter can be an unpredictable time, because weather patterns range from blizzards to golf ball-sized hail. Comprehensive coverage covers your car in non-collision claims that arise outside your control – like that tree branch that fell on your car because it snapped from wind or the weight of heavy snow.

Just as winter weather can be unpredictable, so can the slippery conditions of wintry roads, and car accidents are far more likely to occur when roads become slick. Collision coverage is important to maintain because it protects you from damages done to your car in an accident, whether it’s your fault or not.

Blais Insurance recommends that should you decide to drop comprehensive and collision coverages for whatever reason, it only makes sense to do it after the perils of winter have passed. If you have any additional questions about car insurance, please call us at 401-725-0070.