Author: Bieritz Agency

Most of the summer months are dedicated to storm season.  In between the days that are perfect for the beach, with blue and yellow skies, are days full of heavy rain, winds, and flooding, with the occasional–for Upstate New York–hailstorm, tornado, and hurricane.  These weather conditions, in combination with increased vacationing travel, road work, and presence of motorcycles and bikes on the roads, contribute to a higher average of fatal accidents taking place in the summer rather than the winter.  At times like these, we find ourselves wanting to know how we can maximize driving safety.  Below, you will find a list of summertime storm hazards, and ways you can alter your driving to better ensure safety in each of them.

But first, here are a some general staples for driving in severe weather:

1. Knowing the weather conditions and predictions for where and when you are traveling can help you mentally prepare for potentially unpleasant conditions.
2. Planning a few back-up routes can also contribute to less stress.
3. Limiting noise distractions from various devices and conversation can make room for more focus.
4. You can always choose not to drive at all or to wait out the storm off the road.
5. Slowing down and increasing the travel distance between surrounding vehicles can minimize the threat of hydroplaning and can allow more comfort, space, and time to react to traffic and road conditions.  
6. Cleaning your windows and checking your wipers once a month, checking the washer fluid once a week, and checking your lights and signals every day may be time-consuming, but it can contribute to feelings of ease during a drive if you don’t end up worrying about visibility–either your ability to see out of your windows, or your car’s ability of been seen.
7. Newer cars may have front lights that engage when the windshield wipers are on, but the back lights don’t activate as well, so turning on the regular lights enables your vehicle to be seen from both directions.

Summertime Storm Hazards & Safety Tips

• Strong Winds – These can turn automobiles over, especially larger ones, or move them across lanes into each other or off the road.
  • Winds may be more forceful in open areas, highway overpasses, tunnels, and tunnel-like spaces such as between mountains, so it may be helpful to know and stay alert in these areas.  .
  • While driving, locate and try to maintain distance from larger vehicles and motorcycles.
  • Hold steadily onto the wheel, especially if you are occupying a larger vehicle.
• Heavy Rain – This can inhibit visibility and threaten your control over steering and braking if there is enough water and you start to hydroplane
  • If you wait for a half hour after the rain begins, the oils and dirt that may have made roads more slippery for hydroplaning will have dissipated.  
  • Try to follow in the tracks of the car ahead of you to reduce the likelihood of hydroplaning.
  • Avoid making fast turns and stops.  Don’t use cruise control because you can’t reduce speed to keep traction by taking your foot off of the acceleration.
  • If you hydroplane, steer in the direction you want to go, and don’t step on the gas or the brakes until you have regained control over steering.  For more on recovery from hydroplaning, see our article on Driving Safely in the Fall and Winter Months. 
• Hail
  • Get off the road completely.
  • Don’t leave your car, and wait for the storm to end.
• Moving Water – This could cause you to hydroplane, run over hidden dangerous debris like power lines, and it could cause your engine to stall if it brushes up against water.  
  • Don’t drive through more than 3 inches of water.  
  • Drive slowly.
  • Turn around and find a detour.
• Hurricane – In addition to much of the above, remember to keep your gas tank full so you don’t end up stranded.  Keeping first-aid supplies, clothing, water, and snacks in your car can be of help in the event that you are.
• Tornado – These debris-wielding, strong, and rotating winds can do an enormous amount of damage.
  • Seek indoor shelter first.
  • Otherwise, get off the road completely.
  • Stay away from bridges and tunnels because the wind may be more powerful there.
  • If you can’t safely reach an area that is lower than the road, stay in your car, belted in, with your head below the windows and covered by your hands and a blanket, if you have one.
  • If you can safely get to a place that is lower than the road, lie there with your hands over your head.

So much in life is unpredictable.  Tornadoes and hurricanes may not be so prevalent in Upstate New York, but our summer travels take us everywhere, and we’ll never know when situations will call for us to use what we’ve learned.  We can also never be certain that what we’ve learned will fully protect ourselves in such conditions.  In the aftermath, insurance can support you, wherever you are.  Request a quote on automobile or life insurance from the team at Bieritz Insurance Agency today!

No matter how careful we are as drivers, car accidents are a fact of life: millions occur in the United States each year.  As such, it is important to be prepared for them, even as we do our best to avoid them while behind the wheel.  

Stock your car with…

• Safety Tools: carry cones, flares, and warning triangles to warn traffic, a phone for calling for help, a flashlight for night light, and a first aid kit.
• Emergency Information: carry a list of contact numbers, documents with information about any particular medical conditions that are pertinent for you and your family, insurance cards to exchange, and instructions about what to do after an accident.
• Recording Tools: carry pen, paper, and a disposable camera to collect information and to record what happened.

Stock your brain with…

• Appropriate Medical Knowledge: know how and when to use a first aid kit, and understand that it might take time for injuries to present themselves.  Call an ambulance when in doubt about the extent of your own or another person’s injuries.  A loss of consciousness can indicate a concussion or a closed head injury.  A person who is unconscious or who has neck/back pains should never be moved unless there is a more pressing threat to their safety – and only then, by supporting their neck and back or moving them as little as possible.
• Insurance Information: know your coverage in regards to towing and renting cars.
• Instructions about what to do after an accident.

Your priority should be health and safety.  ⅕ car accidents lead to death.  Don’t leave the scene.  Breathe and try to be calm.  Once you are aware of your own injuries and you are able to, check on your passengers.  Check on the other drivers and passengers.  Set up cones, flares, and warning triangles to avoid further collisions.  Move vehicles out of traffic, and if you can’t, remain inside of them with seatbelts fastened and the emergency lights on.  Always call the police.  Call an ambulance if you are unsure about your own or anyone else’s injuries.  

Most car accidents only involve property damage.  There are many legal and insurance matters to take care of in this respect, even while still on the scene.  

While still on the scene…

• Talking to the Police: Don’t apologize or say the accident was your fault.  State only what you are certain of and tell the officers if you don’t know something.  Don’t make guesses.  Ask the officer for their name and badge number so that you can retrieve their report later for your insurance company.  You must get your report from the state police if the accident took place on a highway.  Make sure the statements of other passengers and drivers are factual as well.
• Collecting Information: Record the situation – the date and time of your accident, the specific location where it occurred including road names and landmarks, the speed limit of that road, the direction of travel of you and other drivers at the time of the accident, the visibility and weather conditions during your accident, as well as any road hazards.  Take pictures of damages to your car and document all injuries.  Ask all drivers and passengers what they saw, and get their names, phone numbers, addresses, driver’s license numbers, license plate numbers, and basic insurance information.  If the driver’s name is different from that of the person listed on the insurance information, establish the relationship and take down that person’s information if they aren’t already a passenger in the car.  Ask any witnesses what they saw and if they know of any other accidents happening in the same place, and also collect their names, phone numbers, addresses, and how they are connected to the area (residents, workers, passersby).  
• Don’t Decide who will Pay for Damages: Even if the accident is minor, injuries can present themselves after some days and weeks have passed, and thus the amount needed to pay could be a lot more than expected.

Soon after leaving the scene…

• Obtain the Police Report: If it comes to it, it can help you prove fault.
• File a State Vehicle Accident Report: They are available at police stations and on the DMV website.  They help insurance companies speed up the claims process.
• Call your Insurance Agent:  Tell them what happened and what the damages and injuries are, and go over the police report with them.  
• Get a Property Damage Valuation: This will be available through your insurance company.  Before and after photos of your vehicle are helpful for this.  
• Call an Attorney: They may be able to help you get a proper damage valuation as well.  They will protect your rights and make sure that evidence is not destroyed.  It may do well to consult them before giving statements to insurance companies.  Also consult them before signing settlement contracts.  Don’t settle too early.  Don’t tell any attorney or insurance agent other than your own about the situation.  If someone else calls, refer them to your attorney or your insurance agent and ask them to arrange an interview.  Let your attorney and insurance agent know that someone called you.  
• Keep Track of Your Health Care: Make a list of all the health care providers you’ve visited and all of the resulting expenses.

Car accidents happen.  No matter how much or how little personal or property damage is involved, the process for claims and settlement takes time.  Knowing what to expect and having guidance for what to do in these situations can relieve some of the panic and help avoid consequences of being unaware.  If you have any questions, our team at Bieritz is here to help!  Contact us in Cooperstown at 209 Main Street, Cooperstown, NY 13326 (607) 547-2951 or in Morris at 128 Main Street, Morris, NY 13808 (607) 263-5170.

The wet and snowy road conditions characteristic of the fall and winter months in the north are driving hazards that can cause skidding (sliding) and hydroplaning (in which a car drives on top of water).  Luckily, there are plenty of ways to avoid incidents such as these in the present and coming months:

• First of all, eliminate distractions in order to focus.  Phones should be silenced, turned off, or stored away where they can’t be reached so attention can be devoted to the road.  You are allowed to ask passengers to silence their own devices if they are distracting you as well.  It may also be helpful to set up a 5 minute quiet time at the start of your journeys before turning on music or talking in order to get a feel for the road conditions and how you might need to drive that day.

• Prepare your car for the season.  Lots of fall rain and winter snow requires effective wiper blades for on-road awareness.  It also requires tires with effective grip.  Worn-down tires are more at-risk for hydroplaning over wet leaves, and they won’t be able to guide the car out of trouble as easily as tires with good grip.  Furthermore, whereas regular tires in the winter cold become stiff and more breakable, snow tires are made out of softer rubber that can better adjust to the surface of the road.  They also have special grips that latch onto snow and ice on the road, decreasing the likelihood of skidding and providing more traction in guiding the car out of it.  
• Drive slowly this season, slower than you would in the warm and dry months.  Drive slowly through puddles, if they can’t be avoided, and over wet leaves to prevent hydroplaning.  Do the same through snowfall; on hills, shifting into a lower gear can help the car stay attached to the road, and thus prevent skidding.  Additionally, approach overpasses, bridges, shady areas, and curves with caution.  The first three may be more at-risk for morning freezes, while curves are often places that people find themselves driving too fast.  Rain and snow can make these situations more dangerous.

• Maintain a safe distance from the cars ahead of you in order to allow yourself enough braking time and to minimize potential damage.
• If snowfall or leaves cover road lines, do your best to stay aware of and within them.
• Brake gently to avoid hydroplaning and skidding.
• If rain or snowfall makes you uncomfortable, pull over onto the side of the road in a safe location, turn on your emergency lights, and wait until the rain or snow passes or until you feel you can drive confidently again.  
• Lastly, in the event of skidding or hydroplaning, try to remain calm.  Do not touch the gas or the brake, but steer gently in the direction you want to go.  If your rear wheels are sliding, steer to the right or the left depending on where they are sliding, and then straighten the wheel when the car itself straightens on the path you want to take.  Once you regain better control of direction, gently brake if the front wheels have been sliding, or gently accelerate if the back wheels are the culprits.  This is for the purpose of redistributing the weight of the car to the wheels that have been skidding in order to return some of their traction.

Driving always comes with some hazards, but in the northern hemisphere, there may be more times in the fall and winter that require particular caution.  Do your best to stay aware of road conditions and drive as they demand of you.  Make sure you are comfortable, focused, and prepared to take on the road and its hazards.  In this way you can do your best to maintain your own safety, that of other drivers, and that of each your own passengers.