Ice, Accidents, and Auto Claims: How to Stay Protected This Winter
2025-10-27
We’re all pros at winter driving, but ice and snow have a mind of their own. We all know Alberta winters don’t mess around. One minute it’s a light snowfall, the next you’re in whiteout conditions trying to spot the lane lines. Even the most seasoned drivers can’t predict what the roads will throw at them. That’s why having your auto insurance ready for winter is just as important as your snow tires.
The Fender Bender Blues: Icy intersections. Slippery parking lots. That slow, helpless slide toward a snowbank. Winter collisions happen to even the best drivers. Collision coverage can help pay for repairs to your vehicle if it’s damaged in an accident, no matter who was at fault.
If your policy only includes basic liability, you’re covered for damage you cause to someone else’s vehicle or property, not your own. Many drivers choose to add Collision coverage for extra protection, when driving conditions can change fast. If you’re not sure whether it makes sense for you, talk to your insurance broker. They can help you understand your options and what works best for your budget.
The Surprise Pothole or Flying Debris: A giant chunk of ice flies off the semi in front of you and cracks your windshield. Ugh. This falls under Comprehensive coverage. Repairing or replacing a windshield can easily run several hundred dollars, especially on newer vehicles with built-in sensors. Comprehensive coverage helps reduce that unexpected expense. If you’re unsure whether you have it, your insurance broker can review your policy and explain what’s covered.
Winter Tires: Safety and Savings: Here’s something that makes winter driving a little easier. A number of insurers offer a winter tire discount, when your vehicle has four certified winter tires marked with the three-peaked mountain and snowflake symbol.
These tires aren’t just for show. According to Transport Canada, they stay flexible below seven degrees Celsius and improve braking and control on icy or snowy roads. That means a safer drive and a small break on your insurance premium.
Hidden Hazards: Black Ice and Sudden Weather Shifts: Because the weather changes fast, one of the biggest winter hazards is black ice. It forms when mild daytime temperatures drop below freezing overnight, creating a nearly invisible sheet of ice.
Keep a longer following distance, avoid using cruise control on slick roads, and start slowing down early at intersections. If you do end up in an accident, stay calm, take photos, exchange details, and report it to your insurer once it’s safe.
Every policy is unique, and what works for one person might not fit another. That’s why your insurance works best with an insurance broker to navigate changes and make sure you’re covered when it matters most.
Your car isn’t the only thing that needs some winter attention. Your home does too. If you missed it, Part 1 walked through Your Winter Preparedness Calendar, a month-by-month guide to help you stay ahead of snow, ice, and cold. Part 2 covered how to get your home insurance winter ready. Together, they’ll help you make sure both your home and car are ready for whatever winter throws your way.