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How Bad Weather Can Affect Your Car Insurance Premium When you have a motor vehicle, you will undoubtedly find yourself driving under all sorts of weather conditions.

Unfortunately, a large number of accidents occur during wet or unfavorable weather conditions. This will directly affect your car insurance premium, because if you have an accident, you will have to pay a higher premium afterwards, and there could be even further reaching financial repercussions. This is why it is best to be aware of the simple things you can do to ensure you drive as safely as possible in assorted bad weather conditions. The first, and most common type of weather condition that most people have to drive in, is rain. If it rains extremely hard, it can greatly reduce visibility, causing accidents. You must always ensure that your wind screen wipers are working at their optimum best. This is to help with the visibility. A major problem with wet roads is that it can cause aquaplaning. This is when your tires lose contact with the road when they go over water that is too deep. This will cause you to lose complete control of your vehicle, and skid. This is another reason why you should never drive too fast in wet conditions. Coupled with the reduced visibility, and the risk of aquaplaning, you will also find that it takes longer for your car to brake when the roads are wet. Fog is another hazardous weather condition to drive in. When there is a dense fog around, you will hardly be able to see even five centimeters in front of your vehicle! Turning on the strongest headlamps could help, but often it is recommended, in these conditions, that you stop your car completely or wait for it to pass. Alternatively, you can drive at a very slow pace with your hazard lights on until the fog has lifted or you have driven away from it. Hailstorms are always disconcerting to drive in. Hail damage to a vehicle can cost thousands to repair. This is also why it is important to have your car insurance coverage reach into coverage for acts of Nature. Then your insurance company will pay out for any hail damage to your vehicle. If you are caught in a hailstorm, it is imperative that you find the nearest shelter and wait there until it passes. Even if you are in a hurry to get where you are going, it is just not worth it! Hail can also cause slippery roads, which make it easier to have a collision. Lastly, if you live in an area that is prone to snowfall at certain times of the year, or even sleet and black ice, then it is important that you fit snow tires onto your vehicle. These tires are specifically made to prevent your car from skidding and sliding on slippery roads. They will also be able to drive on snowy roads. Until recently, consumers had few choices when it came to long term care health insurance. Traditional policies, which provided a certain amount of selected coverage, were the norm. Policies could be designed to cover care expenses for a few months, or much longer, even providing benefits for the insured’s lifetime. For example, consumers could purchase coverage that would provide $100 a day in benefits for a period of three years. When calculated, the $100 daily benefit multiplied by 365 days in a year for 3 years would create a $109,500 “pool of money” available for care. This pool of money would pay for care in a nursing home, assisted living facility, adult day care, or in the personal residence of the policyholder once certain criteria had been met.

In conclusion, it is easy to see how an accident could easily occur in bad weather conditions. It is up to you as the driver to ensure that you have taken the necessary steps to prevent this from happening.