Collision vs. Comprehensive: Choosing Coverage for Winter Weather Risks

Winter in Oklahoma often brings unpredictable conditions, such as icy roads, sudden hailstorms and slick surfaces, that increase the chance of vehicle damage. Understanding how auto insurance works during these months can help you prepare for the seasonal challenges that may arise.

Understanding Collision and Comprehensive Coverage

Both types of coverage can address damage to your vehicle, but they apply to different situations:

• Collision coverage may pay for repairs if your car is involved in an accident, regardless of fault. During winter, this can be useful if you slide on ice and hit another vehicle, a guardrail or another object.
• Comprehensive coverage may apply to damage caused by non-collision events, such as hailstorms, falling tree limbs during ice storms or theft. If your car is harmed by something other than a crash, comprehensive coverage may help cover the cost of repairs.

Which Coverage Fits Winter Conditions?

Oklahoma winters can involve both collision and non-collision risks. Many drivers choose both types of coverage for broader financial protection. An insurance professional from HBI Insurance can assess your situation and help you select the appropriate coverage.

Tips for Reducing Winter Driving Risks

Here are simple ways to stay safe during harsh winter conditions:

• Make sure your tires are properly inflated and check the tread depth regularly.
• Keep a safe following distance to allow extra stopping time.
• Clear all snow and ice from your windows, mirrors and lights before driving.
• Drive at slower speeds during icy or snowy conditions.
• Avoid sudden braking or sharp turns to reduce the chance of skidding.
• Keep your gas tank at least half full to prevent a fuel line freeze.
• Pack an emergency bag with blankets, flashlights, water and other essential items.

Get Covered Today

Discuss your auto insurance needs with HBI Insurance. Our agents can recommend suitable options and help you select optimal coverage. Contact our team today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.