Texas is known for its dynamic and often unpredictable weather patterns. The diverse climate poses unique challenges for drivers, from torrential rains and flash floods to hurricanes and occasional icy conditions. We’re no strangers to multiple seasons of weather in a single day. With a state this big, multiple severe weather patterns can happen in different places simultaneously–making driving in severe weather a common occurrence.
The Sewell Insurance team is one of Texas’s top auto insurance providers. With offices in Austin, Houston, Baytown, and Pasadena and thousands of families insured throughout Texas, we’ve seen every type of storm, and we have expert guidance about car insurance and severe weather.
At Sewell Insurance, we understand the importance of staying safe on the road, especially when severe weather strikes. Being prepared and informed can make all the difference whether you are a seasoned driver or new to navigating Texas’s freeways. Here’s what your insurance agent wants you to know about driving in severe weather conditions and the importance of auto insurance when severe weather arrives.
Understanding Your Coverage
Before diving into specific weather-related tips, we recommend understanding your auto insurance coverage clearly. Read your auto insurance policy, and review your premiums, deductibles, and all the other details included (like if you have rental car coverage after an accident). If you have questions about your policy or realize your current insurance doesn’t include the coverage you want, please contact us. We would love to provide a quote and discuss your auto insurance options.
Why Comprehensive Coverage is Essential
Comprehensive coverage is essential when dealing with severe weather conditions. This type of policy protects your vehicle from damage caused by events other than collisions, such as flooding, hail, or falling debris. At Sewell Insurance, we offer comprehensive plans that cater to the unique needs of Texas drivers, ensuring you are well-protected no matter what Mother Nature throws your way.
In Houston and the Texas Gulf Coast area, heavy rains and hurricanes are common and can lead to significant flooding, causing damage to vehicles. Comprehensive coverage will often cover the cost of repairs or even replacement if your car is submerged in floodwater.
This type of insurance also covers damage from hailstorms, which are common in Texas and can result in costly repairs. Understanding the specifics of your policy and ensuring adequate coverage can save you from financial strain and provide peace of mind during severe weather events.
Preparing for Severe Weather
Preparation is key to driving safely in severe weather. Before heading out, it’s essential to check the weather forecast and plan your route accordingly. Avoid areas known for flooding and consider alternative routes that are less likely to be affected by adverse conditions. Keeping an emergency kit in your vehicle, including items such as blankets, a flashlight, a first aid kit, water, and non-perishable food, can be a lifesaver if you find yourself stranded.
Vehicle Maintenance and Readiness
Regular vehicle maintenance plays a significant role in ensuring your safety during severe weather. We recommend the following as a baseline for car maintenance before storms:
- Check your tires regularly for proper inflation and tread depth; good traction is important on wet or icy roads.
- Ensure your windshield wipers are in good condition to maintain visibility during heavy rain.
- Keep your gas tank at least half full to avoid running out of fuel if you get stuck in traffic or must take a detour.
- Additionally, regularly checking your brakes, battery, and lights can help prevent breakdowns and ensure your vehicle is in optimal condition to handle severe weather.
Regular vehicle maintenance is the best way to stay prepared, especially if you don’t usually pay close attention to the forecast.
Driving in Heavy Rain and Flooding
Heavy rain is common in the Houston metro and central Texas, and it can significantly impact driving conditions. Reduced visibility, slippery roads, and the potential for hydroplaning are all hazards that drivers must contend with. When driving in heavy rain, slow down and increase your following distance for extra stopping time. Use your headlights to improve visibility and help other drivers see you.
Dealing with Hydroplaning
Hydroplaning occurs when a layer of water builds up between your tires and the road surface, causing a loss of traction. If you start to hydroplane, stay calm. Avoid the instinct to slam on the brakes or make sudden turns. Instead, ease off the accelerator and steer in the direction you want to go. As your speed decreases, your tires should regain contact with the road.
Flooded Roads: Turn Around, Don’t Drown
One of the most dangerous situations you can encounter is a flooded road. It only takes a few inches of water to turn off a vehicle or sweep it away. The National Weather Service’s slogan, “Turn Around, Don’t Drown,” is a helpful reminder to avoid driving through floodwaters. If you come across a flooded road, turn around and find an alternative route. It’s not worth risking your life or vehicle to save a few minutes.
Navigating Hurricanes and Tropical Storms in Texas
Houston and the Texas Gulf Coast are not strangers to hurricanes and tropical storms, which can bring severe winds, heavy rain, and flooding. Preparing for these events is vital for your safety. If a hurricane or tropical storm is imminent, the best advice is to avoid driving altogether and seek shelter in a safe location. However, if you must be on the road, there are several precautions you can take.
Prepare and Share Your Evacuation Plans
Having a well-thought-out evacuation plan can make a significant difference during a hurricane. Know your evacuation routes and have a plan for where you will stay. Keep your vehicle ready with a full tank of gas and your emergency kit stocked.
Pay close attention to local news and weather updates, and evacuate as early as possible to avoid traffic congestion and worsening conditions. Share your evacuation plan with friends and family before the storm. If cell phones are out of service, it’s helpful to have already shared the details of your evacuation with those who care for you.
Practice Caution in High Winds and Debris
Driving in high winds during a hurricane can be extremely hazardous. Large vehicles such as trucks and SUVs are particularly vulnerable to being pushed by strong gusts. Keep both hands firmly on the steering wheel and reduce your speed. Watch for flying debris and avoid areas with many trees or loose objects that could be blown onto the road. If winds become too strong, pulling over and waiting until conditions improve is safer.
Winter Weather: Ice and Snow in Texas
While not as common as other types of severe weather, Texas can occasionally experience icy conditions during winter. Driving on ice and snow requires different skills and precautions. If you are on icy roads, reduce your speed significantly and increase your following distance. Gentle acceleration and braking are crucial to maintaining control of your vehicle. If you start to skid, steer in the direction of the skid and avoid braking suddenly.
Black Ice: The Invisible Hazard
Black ice is a thin, transparent layer of ice that forms on road surfaces and is nearly invisible to drivers. It often occurs on bridges, overpasses, and shaded areas. If you suspect black ice, reduce your speed and drive cautiously. Be mindful of early morning and late evening when temperatures are lower and ice is more likely to form. Even if there is no visible ice or snow in other areas after precipitation when the temperature is below freezing, be cautious as you cross bridges.
What To Do After a Texas Car Accident
Despite taking all necessary precautions, accidents can still happen. Knowing what to do immediately after an accident can help you stay safe and protect your insurance claim. First, check for injuries and call 911 if anyone is hurt. If possible, move your vehicle to a secure location and exchange information with the other driver(s). Take photos of the scene and gather witness information if available. Contact your insurance agent immediately. If our team insures you, you’ll have the confidence and experience of our local team after the wreck.
How Sewell Insurance Can Help
At Sewell Insurance, we are committed to providing exceptional service and support to our clients. Our experienced agents are here to guide you through the claims process, answer any questions, and ensure you receive the coverage you need. We understand that dealing with an accident can be stressful, especially during severe weather, and we are here to make the process as smooth and straightforward as possible.
You’ve probably heard us say it before, but with Sewell, you will finally feel good about your insurance, and that’s a beautiful thing!
Turn to Texas’s Best Insurance Team After A Storm
Driving in severe weather in Texas requires extra caution, preparation, and knowledge. You can confidently navigate unpredictable weather by understanding your insurance coverage, maintaining your vehicle, and adopting safe driving practices. At Sewell Insurance, we are dedicated to helping you stay safe on the road and ensuring you are well-protected. If you have any questions about your coverage or need assistance, please don’t hesitate to contact us. Being prepared and informed is the best way to stay safe during severe weather conditions.
