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Plan & Protect
Reduce risks and enjoy peace of mind with these tips and insights to protect what matters most.

Taking precautions before winter travel can help you make it to your destination safely and prepare you in the event you become stranded in your vehicle. Before heading out into bad weather, consider if driving is absolutely necessary. If you do drive, here are a few things to keep in mind.
Travel times may be longer than you’re used to during bad winter weather. Remember that, should you become stranded, you may need your car for heat so keep the gas tank full, or your electric vehicle fully charged.
While smartphones offer drivers a sense of security, location services are not always accurate and cell service is not always available, depending on the cell tower and other variables.
Be sure to keep your car in tune this winter. Oftentimes, this means visiting a mechanic to check your car and ensure everything is in working order. The Federal Emergency Management Agency provides a checklist you should have your mechanic review to help prevent a vehicle emergency.
Once you have the essentials, think about any unique needs for yourself or your family such as medications.
Winter weather doesn’t only pose an increased threat to drivers, but to pedestrians too. Snow and ice can make it difficult to maintain footing. With fewer safe places to walk, people may be pushed closer to the cars and trucks on the road.
Drivers must remain extra cautious. In addition to being aware of pedestrians’ increased likelihood of slipping or falling, remember other conditions that could affect visibility:
If you become stranded, it’s better in most cases to stay with your car and let rescuers find you. Keep your phone plugged in and fully charged during your trip to better ensure it operates when needed. But if your smartphone location sharing lets you down, your preparations can keep you safe and comfortable while you wait for help. If you are broken down or stuck in your vehicle in a winter storm, stay put and wait for help. Consider these tips from the Montana Department of Transportation:
This loss control information is advisory only. The author assumes no responsibility for management or control of loss control activities. Not all exposures are identified in this article. Contact your local, independent insurance agent for coverage advice and policy service.