It’s hard to believe that it’s already December. 2015 is winding down and the holidays are rapidly approaching. While December is a month primarily made for enjoying quality time with our loved ones while eating lots of good food, according to the Farmers Insurance Seasonal Smarts Digest, it is also the month that sees a substantial increase in a variety of insurance claims. Check out a couple of the claims that increase during the fall and early winter months below:

Parking Lot Claims

It’s no surprise that the holiday season sees a huge number of parking lot-related claims. With hoards of shoppers filling the parking lots of the malls and shopping centers, there are a few tips you can use to avoid a claim.

  • Don’t rush! Take your time trying to find a spot.
  • Steer clear of tight spaces to avoid other cars’ doors from nicking your vehicle
  • Always use the designated lanes for traffic and refrain from cutting through empty spaces


According to the National Transportation Safety Board, there are about 1.7 million rear-end collisions in the U.S. every year, with a great deal of those occurring between the months of October through December. With 87% of rear-end collisions occurring simply because the driver was not paying attention, it is imperative to focus on the road when you’re behind the wheel. Avoid playing with the radio, setting your GPS or thermostat, and invest in a hands-free device for your phone to greatly reduce your odds of rear-ending another vehicle. Also always be sure to leave enough space between your car and the car in front of you, especially in icy and inclement weather conditions.

Cold Weather Driving

Speaking of icy and inclement weather, the poor weather conditions of the winter months can be to blame for the increase in claims as a result of skidding and sliding. Before the first snowfall of the season, be sure to check the tread on your tires. Farmer’s offers a handy tip to determine if your treat is too low: Simply take a penny and insert it into your tire’s tread with Lincoln’s head upside down and facing you. You likely need new tires if you can see all of Lincoln’s head. If the weather conditions are really treacherous, it may be best to refrain from driving at all. If you have the option, work from home or take public transportation.

There is no doubt that Chicagoland winters can be extremely stressful to drivers.  However, by simply taking a few precautions, we can greatly reduce the odds of having a wintertime claim.


Source: http://www.farmers.com/content/dam/falcon/pdf/innercircle/seasonalsmarts/Farmers-Seasonal-Auto-Fall-100515ep.pdf

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