Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

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Things to Remember...

  • The amount of car insurance claims go up in the winter
  • Try to keep calm and as warm as possible. Waiting for authorities may take a while
  • Stay warm so that you don’t add an extra hospital bill on top of your already stressful situation
  • Make sure your auto insurance agent’s emergency contact info is current and readily available during these stressful driving times

Nasty winter weather is just around the corner – that is, if you haven’t already enjoyed dumping of snow. Typically auto insurance claims usually skyrocket during this time because of all the potential accidents that can occur.

Do you know what to do in the event you get into an accident during these frigid months? In this article, we’ll discuss just a few things to get you through your accident troubles this winter.

If you don’t already have a reliable car insurance company, you should start looking now.

It’s best to compare auto insurance quotes at once so you don’t have to waste time. Get started now by using our FREE online tool!

Make Sure Everyone is Safe

The very first thing you should do in an accident is to assess the situation and make sure everyone in your vehicle is safe. Maybe you just slid off the road and are a bit shaken. Take some deep breaths and calm down.

Once you are calm, the next step is to start making calls. There are a few people you are going to want to call right away. Who you decide to call in the minutes following an accident depends on what type of accident you are in.

If the accident is a multi-car accident, or there are injuries, then 911 needs to be the first call you make.

If the accident is something as simple as sliding into the ditch, then call your auto insurance agent and see if they can help get a tow truck sent to you.

However, when you call your insurance company, be sure to tell them nothing more than the facts. Admitting fault can be used against you.

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Don’t Leave Your Car and Wait

Unless your car is sinking in some water, or on fire, you should stay inside your vehicle. The reason is that your car is warm and can shield you from the cold. Make a judgment call as to how safe it is to stay in your car.

The last thing you want is a needless hospital bill added to an increasing auto insurance rate, due to hypothermia.

Hypothermia is very deadly, especially in colder climates. Wrap up in some blankets and stay warm. If you can safely keep your car running with heat, even better.

You should have some extra blankets or clothing in your car in preparation for colder months.

While your auto insurance agent may be able to get you help, it’s going to take some time for emergency crews to arrive. Make sure you have something to keep warm in if you need to wait.

If you don’t already keep extra blankets in your car, get some to prepare. Also, be sure to keep your material in a safe and accessible place to make sure you can access these supplies when you need them.

Stay Calm

Auto accidents are nerve-racking enough. Dealing with miserable weather only adds to the stress of an accident. Staying calm means you can assess the situation, get emergencies under control, and help get things resolved as quickly as possible.

Calling your auto insurance agent and freaking out on the phone delays getting you back on the road to your destination. When an accident does happen, take some deep breaths and deal with one situation at a time.

Winter may be pretty and white, but it’s also a time to step up your accident handling plans. Make sure your auto insurance agent’s emergency contact info is current and readily available during these stressful driving times. You never know when you may need it.

Compare the auto insurance companies out there and make sure you have a rate and policy that meets your needs.

Get free online auto insurance quotes by entering your zip code now!