Snowstorm warning: think before you drive; ‘use common sense’

SEATTLE - Mother Nature is expected to hit Western Washington with a vigorous snowstorm tonight and tomorrow, which could make already-congested roads even more difficult for commuters.

You can dramatically reduce your chances of an accident by following some basic safety tips and, if you do slide off the road, having towing coverage is one of the best peace-of-mind investments you can make. Most auto insurance policies do not automatically cover towing.

Towing coverage is usually available for $5 to $10 per year and also covers towing for other hazards such as vehicle breakdown. It usually pays your towing bill up to a specified amount such as $50 or $100.

"As with other types of insurance," cautioned Karl Newman, NW Insurance Council president, "you can't purchase coverage after you need it - when you've had an accident or your car is in a ditch. Since it protects you throughout the year, the time to consider towing coverage is before you need it."

The NW Insurance Council offers these tips to help you and your family make it safely to your destination:

• Before your commute, know the current road conditions and the forecast for your route and destination.
• Allow more distance between you and the vehicle in front of you. w If you start to slide, pump your brakes gently and steer in the direction of the slide. Avoid sudden acceleration.
• If you have anti-lock brakes, do not pump your brakes. Instead press firmly on the brake pedal and hold it down, allowing the anti-lock mechanism to work.
• Stay on main roads as much as possible. In case of an emergency, you have a better chance of getting help on a main route.
• Keep an emergency winter driving kit in your car. The kit should include blankets, water, high-energy snacks, highway warning devices, flares, flashlights and batteries.
• If you are involved in an auto accident, get the other driver's information - driver's license and vehicle license numbers, insurance company name and policy number and both work and home phone numbers.
• Report the accident to your insurance company as soon as possible so that claims adjusters can begin processing your claim right away.
• If you don't have towing coverage, consider adding it for the next time a snowstorm hits the state. Call your insurance company or agent for more information.

To get a free brochure about winter driving safety, contact the NW Insurance Council at (206) 624-3330 or (800) 664-4942.

The NW Insurance Council is a nonprofit, consumer education organization funded by member insurance companies.

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