How to Drive Safe in the Rain and Avoid Insurance Liability

“Rain, rain, go away; come back another day!” “April showers bring May flowers.”

Some people love the rain, while some folks just can’t seem to come to terms with it. Whether you appreciate the rain or not, rainfalls are something that any car, truck or motorcycle driver has to contend with – especially during this particular juncture of the year. Not just something sent down from the heavens to challenge you with an inconvenience, the rain places you at risk for an accident. Regardless of whether you are the one responsible for liability or not, an auto collision is far from a pleasant experience whether it’s only a matter of submitting a claim for standard damage coverage or dealing with serious consequences of related injury (or even death) and lawsuits.

Follow these tips from the leading insurance companies to safely drive your way through the wildest of raindrops and wet inclement weather.

• Prior to setting out on your commute from home or business, confirm that your vehicle registration as well as auto insurance is not expired. It’s a good idea to also review your policy with an experienced independent agent to see if you have tailored protection for your needs.

• While your automobile is in motion, keep your hands firmly upon the steering wheel in the ten and twelve positions.

• Holding onto a cell phone or any other device while driving is a big safety hazard anytime, all the more so when driving under adverse weather conditions.

• Make sure your windshield window is clear and that your driving vision is as clear as possible.

• Consider the other driver’s safe vision by keeping your car’s headlights turned on.

• Always keep a safe distance between your vehicle and the one ahead of you by following the five car or one second driving distance rule so as to minimize the chances of a collision due to the front car’s sudden or abrupt stop.

• In the event your windshield window gets enveloped in a veil of fog, turn on your car’s defogging function.

• Always maintain the posted speed limit. Drive under the speed limit if you need to for safety’s sake.

• When in contact with moisture, vehicle tires do lose their traction and may hydroplane. If and when this happens, keep your cool and let up on the gas pedal while driving in a straight direction. Try not to make any sudden driving moves.

• Avoid floods and water-filled potholes.

• Park on the side of the road if the winds and rain becomes severe. Wait out the conditions until you can safely continue your drive.

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