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All the different car insurance coverages can be confusing. These quick videos can help you understand the different coverage options and why they're important. The third in our series is all about property protection.

What is Property Protection Coverage?

Property Protection. Okay, this one's easy. This kind of protection usually covers when you bang into somebody else's property. Say, if you hit a parked car or drive through a fence.It really comes in handy when you've got to pay for something that's not yours.


Other Videos in the series:

• What is Bodily Injury Coverage?
• What is Collision Coverage?
• What is Property Protection Coverage?
  

Winter driving can be dangerous, so it’s important to take extra caution on the roads.  During bad weather, the best way to avoid an accident is not to drive at all.  But, if you must drive, keep these tips in mind.

Prepare for bad weather in advance

• Get your car a winter tune-up at the auto mechanic
• Prepare an emergency kit
• Here are some items to get you started
  • First Aid Kit
  • Flashlight and extra batteries
  • Blanket
    
  • Jumper Cables
  • Mobile phone charger
  • Triangle Reflectors
  • Flares
  • Basic Tools like a screwdrivers, pliers, and an adjustable wrench
  • Duct Tape
  • Spare Fuses
  • Rags
  • Funnel
  • Work Gloves
  • Sand
    
  • Rock Salt
  • Small Shovel
  • De-Icer
  • Ice Scraper
  • Extra warm clothing
  • Snack bars, or other non-perishable food, and water
• Consider Emergency Roadside Assistance
• Check that your spare tire is properly inflated
• Watch the news, listen to the radio, check the weather to be aware of possible bad weather conditions
• More Information – Weather.com article on Winterizing your car
• Consider snow tires or “all-season” tires for your car
• Don’t allow your fuel level to get too low

Clean all the snow off your car

• Make sure you get the rear windows and mirrors as well as the windshield
• Don’t forget about the hood.  Snow could blow onto your windshield while driving
• Clean snow off your lights so that you can see and be seen

While Driving

• Buckle your seat belt
• If the weather gets really bad, consider pulling over if it’s safe to do so
• Drive slower and leave PLENTY of room to brake
• Don’t use cruise control
• Turn on your lights to remain visible to other drivers
• Brake gently to avoid skidding
• Don’t pass snow plows, let them do their jobs
• Turn on your defroster and windshield wipers
• Remember that bridges, ramps, and overpasses are likely to freeze first

Skidding on Ice

• Don’t panic
• Take your foot off the accelerator
• Look where you want to go
• Turn into the skid, back towards straight, in the direction you want to go

Check out "How to Drive In Inclement Weather"


Photo by OregonDOT via Flickr

All the different car insurance coverages can be confusing. These quick videos can help you understand the different coverage options and why they're important. The second in our series is all about collision coverage.

What is Collision Coverage?

You're driving along minding your own business and... you get in an accident. Chances are your car probably needs to be fixed or replaced. If you have collision coverage, it normally pays for damage to your car that's caused by a collision. That's after you pay your deductible, of course.


Other Videos in the series:

• What is Bodily Injury Coverage?
• What is Collision Coverage?
• What is Property Protection Coverage?