Why Rain is Riskier Than You Think
Most drivers slow down for snow, but rain can be just as deceptive. Wet surfaces act like a lubricant, reducing the traction your tires have on the road. In fact, your stopping distance can double on wet pavement, significantly increasing the chance of a rear-end collision.
4 Tips to Be More “Car-fuling” This Season
1. Slow Down and Increase Following Distance
Speed limits are designed for ideal, dry conditions. In the rain, “driving well” means driving slower. Increase your following distance to at least 5-6 seconds behind the car in front of you. This gives you a crucial buffer if they stop suddenly.
2. Prioritize Visibility
Before you even start the engine, ensure your defroster works and your windshield wipers aren’t streaking. If your wipers leave streaks, they need to be replaced. Turn your headlights on—even in light rain—to help other drivers see you.
3. Avoid Cruise Control
Cruise control is fantastic for highway road trips, but it is dangerous in the rain. If your car begins to hydroplane (glide on top of the water), cruise control can actually accelerate, causing you to lose control. Keep your foot on the pedal so you can feel the road and react instantly.
4. Know What to Do in a Hydroplane
If you feel the back end of your car slide, don’t panic and slam on the brakes.
- Stay calm.
- Take your foot off the gas.
- Steer gently in the direction you want the front of the car to go.
Does Your Insurance Cover Rain Damage?
This is a critical question. While damage from a collision on a rainy day is usually covered under collision coverage, damage from the weather itself (like a tree limb falling on your car or a flood) is covered under Comprehensive Coverage.
Take Action: Now is the perfect time to log into your customer portal or check your policy documents to ensure you have the coverage you need.
The Bottom Line
A little caution goes a long way. By adjusting your driving habits when it rains, you protect yourself, your passengers, and your wallet.
Stay dry and drive safe,