Ice and Snow Bring Insurance Claims.

What You Can do to Avoid Paying Insurance Deductibles.

Warm up first. When you have ice or snow on your car, scrape off all the ice from your car windows. Your windows are not just a port-hole to peek from. You need to be able to see out your side windows for blind spots. It's cold out there so men, earn some extra points and take care of the ladies.

Don't forget the windshield wipers; make sure they are free of ice and snow. Don’t forget the headlamps and tail lights either. Other drivers need to see you coming and going and need to see if you’re turning, or braking.

Ice on your hood could cost you! Ice on the hood or roof of your car that flies off and hits another vehicle or person while you are driving is your liability. On a more selfish note if you don't scrape it off and it starts to break free or melt it may just slide off and dent your own car or crack your own windshield. That is never a good thing.

Brush off your hood. When you leave the snow piled on the hood of your car and you start driving it is going to blow up onto your clean windshield which, of course, is warm from your defroster and will freeze on your windshield wipers- making it very hard to see through the little streaks that are left. So, go ahead and brush off the hood of your car. You’re already cold. Just a couple more minutes and you'll be on your way.

Be careful where you park. After the freezing rain leaves it's beauty marks on trees and power lines and starts to melt it may come crashing down onto your car. You may be fine when you go into work early in the morning when everything is still very cold. Oh but when you come out after the ice has slide off the roof, or drop off the tree, or power line. You may have a nice dent - or worse on your car. A little planning could save you a lot of money stress and maybe a few bad words.

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate on News/Talk 740 KRMG in Tulsa Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry.Szeszulski@american-national.com