3 Ways to Stay Safe While Driving on Icy Roads

When the winter months start to approach Flowood, MS and other parts of the state, one of the biggest reasons for auto accidents is icy roads. When you are traveling on the icy roads this winter, make sure to keep these few tips in mind so that you are safe and accident-free. 

1. Give Yourself at Least 10 Seconds To Stop

Even with the best set of tires, trying to stop on a whim with slick roads from the ice is not safe. When you are traveling and the roads are icy. Make sure there is at least 10 seconds between you and the vehicle in front of you. Should they have to slam on brakes, you need to have enough time to stop safely. 

2. Drive Slower

Just because the road has a posted speed of 55 does not mean that is ideal for icy conditions. If you are traveling on an icy road, it is a good idea to keep your speed at least 10 miles slower than what is posted. Traveling on roads that are curvy and have black ice around the corner can make a fast traveling vehicle slide much quicker. 

3. Brake Only When You Need To

Ice and brakes do not work well together, and antilock brakes do not work in the ice. If you are traveling at slow speeds and keeping your distance between yourself and others on the highway, you will not need to use your brakes as much. If you need to slow down or find yourself sliding, stay calm and just take your foot off of the gas to avoid overcorrecting. 

Be Careful Traveling This Winter

Make sure to use these three tips when traveling on icy roads and make sure to pack your auto insurance policy from Insurance Protection Specialists today. 

What happens if you get into a car accident with an uninsured driver?

You’ve done your due diligence, making sure you have all your vehicles properly insured, so you have one less thing to worry about if you get in a car accident. It seems like you’ve properly protected yourself… until you get into an accident with an uninsured driver near Flowood, MS. 

The Driver at Fault is Responsible

When you buy car insurance, you know that you’re protecting yourself, and you assume other people have done the same thing. If an accident is your fault, you will file a claim with your insurance to cover the damages and vice versa.

Unfortunately, if you get into an accident with someone who doesn’t have auto insurance and they are at fault, you’ll be hung out to dry unless you purchase additional insurance. 

In some cases, an uninsured driver may try to run or offer cash to avoid being caught driving without insurance. To prevent this from happening, call the police as soon as you can, take pictures of the damage and surrounding area, and not accept cash. It’s also important to get the other driver’s name and contact information. 

How to Protect Yourself from Uninsured Motorists

To thoroughly protect yourself from the possibility of getting into an accident with an uninsured motorist and not getting compensated for damages, you can purchase uninsured motorist protection. This means that even if the accident isn’t your fault, you can submit a claim to your insurance to reimburse you for damages. 

If you’re shopping for auto insurance or you have questions, give Insurance Protection Specialists a call to learn more about options and uninsured motorist coverage. We serve Flowood, MS, and the surrounding areas.

How Can I Make Sure My New Car Is Totally Covered?

When people mention "full coverage," what they usually mean is liability, collision, and comprehensive. That’s a good start, but it’s not precisely total coverage.

Chances are, "full coverage" is going to leave you with a gap in your expenses. Your car begins to depreciate the minute you take it off the lot, and collision and comprehensive probably won’t pay you quite what you need to replace it. And if you’re still paying it off, you have to keep paying it off even if it’s been totaled.

Complete coverage will include liability, collision, and comprehensive, as well as the following:

  • Gap coverage. If you’re still making payments, gap insurance will cover the difference.
  • New car replacement insurance. This will cover the purchase of a new car of the same make and model. But if you want to be covered, you might want to consider…
  • Better car replacement insurance. This will cover you for the purchase of a new car one year newer than the one that was totaled. Even if you plan on buying the same vehicle, this will give you a little breathing room for shopping around various at various dealerships.

If you want to make sure you’re covered in Flowood, MS, give Insurance Protection Specialists a call or contact us online. Total coverage might not be worth the higher premium if you’re driving an old car that you could replace yourself out of pocket. Still, if you’re fresh off the lot, you’ll be glad that you took the time to ask Insurance Protection Specialists in Flowood, MS about gap and replacement coverage, and get fully covered from top to bottom.