Winter driving in the Midwest - and across much of the country - comes with unique risks that can catch even experienced drivers off guard. Ice, snow, freezing temperatures, and reduced visibility all contribute to a spike in cold‑weather auto insurance claims each year. Understanding the most common winter-related claims—and knowing how to prevent them—can help keep you safer on the road and protect your vehicle from costly damage.
Below, we break down the top cold-weather auto claims and provide practical tips to help you avoid them.
Sliding on Ice & Rear‑End Collisions
Icy roads remain one of the biggest culprits behind winter accidents. Reduced traction causes longer stopping distances, making rear-end collisions extremely common.
How to Avoid It:
- Slow down and increase following distance — even more than you think you need.
- Avoid using cruise control on slippery surfaces to maintain full control of your acceleration.
- Brake gently and steadily; slamming the brakes increases the likelihood of skidding.
Loss of Control on Snow-Covered Roads
Snow can conceal black ice, potholes, and road markings. Drivers often lose control when turning, accelerating, or braking too quickly.
Prevention Tips:
- Use winter or all-season tires with sufficient tread depth. Their improved traction makes a measurable difference on snow-covered roads.
- Accelerate and decelerate slowly to prevent fishtailing or spinouts.
- Stick to well-traveled, plowed roads whenever possible.
Dead Battery Claims
Cold weather drains battery power and can leave drivers stranded.
How to Avoid It:
Test your battery’s health before temperatures drop. Replace weak batteries early - cold weather dramatically reduces performance.
Clean battery terminals and ensure connections are tight.
Windshield & Visibility‑Related Claims
Winter storms often lead to cracked windshields, damaged wipers, and visibility-related accidents.
Prevention Tips:
- Install winter wiper blades designed to prevent ice buildup.
- Refill windshield wiper fluid frequently—snowstorms burn through fluid fast. Choose winter‑grade formulas that won’t freeze.
- Clear your entire vehicle of snow and ice before driving, including the roof, mirrors, headlights, and windows.
Tire Damage & Pothole‑Related Claims
Winter freeze‑and‑thaw cycles create potholes, which lead to tire blowouts, bent rims, and alignment issues.
How to Avoid It:
- Scan the road ahead and avoid potholes safely when possible.
- Keep tires properly inflated—cold weather lowers tire pressure, reducing traction.
- Replace worn‑out tires before winter; tread depth dramatically impacts winter handling.
Accidents Caused by Poor Vehicle Maintenance
Many winter claims could be avoided with simple seasonal maintenance.
Maintenance Checklist:
- Brakes: Inspect pads and rotors; winter driving requires reliable stopping power.
- Fluids: Switch to winter‑grade oil and maintain proper coolant/antifreeze levels.
- Lights: Keep headlights and taillights clean and functional for maximum visibility.
- Heating/Defrosting: Ensure defrosters work properly to prevent fogging and ice buildup on windows.
Weather-Related Breakdowns & Stranded Driver Claims
From frozen fuel lines to overheated engines due to snow‑blocked exhausts, winter breakdowns can quickly become dangerous.
How to Avoid It:
- Keep your gas tank at least half full to prevent gas line freeze‑ups.
- Carry a winter emergency kit that includes blankets, snacks, water, a flashlight, a phone charger, and a shovel.
- Store traction aids like sand, kitty litter, or tire chains in case you get stuck.
Be Prepared Before You Hit the Road
Winter driving is as much about preparation as it is about skill. By winterizing your vehicle, adjusting your driving habits, and preparing an emergency kit, you can drastically reduce your risk of cold-weather claims—and stay safer during even the harshest conditions.
With the right precautions, winter doesn’t have to be the most dangerous time of year to drive.