Driving In Oklahoma Severe Weather - What Your Insurance Agent Wants You To Know
As a driver in Oklahoma, you're no stranger to severe weather challenges. Whether torrential rain, hailstorms, or the threat of tornadoes, the weather here can be unpredictable and often dangerous.
At Streller Insurance Agency, we understand the unique risks of driving in such conditions, and we're committed to ensuring that our clients are well informed and adequately protected. In this blog, we'll dive into what you need to know about driving in severe weather and how to keep yourself, your vehicle, and your insurance policy in the best shape possible.
If you’re looking for more information about Oklahoma home insurance and severe weather, be sure to read this recent article. And, if you have any questions about insurance, auto, homeowners, or otherwise, contact the Streller Insurance team. We have offices in Edmond and Del City but work with customers across the state. Contact our team today!
Understanding Severe Weather Risks in Oklahoma
Oklahoma's weather is notorious for its volatility. The state lies in Tornado Alley, which is prone to severe thunderstorms and tornadoes, particularly during spring and early summer. Additionally, Oklahoma experiences significant rainfall and occasional flooding, especially in the central and eastern regions. Hail is another common occurrence that can cause extensive damage to vehicles. Understanding these weather patterns is crucial for drivers navigating these conditions safely.
If you’re new to Oklahoma, you’ll probably hear the Oklahoma tornado siren tests every Saturday at noon, but there are other ways to be aware of the risks. Be sure to have a weather radio that announces alerts from the National Weather Service, and know what station to turn to on the TV or radio for local weather information.
Preparing Your Vehicle for Severe Weather
Preparation is key to minimizing risks when driving in severe weather. Start by ensuring that your vehicle is in good working condition. Regular maintenance checks are essential—regularly inspect your brakes, tires, and windshield wipers. Good tire tread is crucial for maintaining traction on wet or slick roads. Windshield wipers should be functional and effective in providing clear visibility during heavy rain or hail.
In addition to routine maintenance, consider equipping your vehicle with emergency supplies. A basic emergency kit should include a flashlight, blankets, a first-aid kit, non-perishable food, water, and a fully charged mobile phone or charger. During the winter, it's also advisable to carry extra warm clothing and a shovel in case you get stuck in snow.
Safe Driving Practices in Oklahoma Severe Weather
Adjusting your driving habits is essential for safety when driving in severe weather, and reducing speed is one of the most important steps. Slower speeds give you more control over your vehicle and more time to react to sudden changes in road conditions or other drivers' actions. Maintaining a greater following distance is also crucial, as stopping distances increase significantly on wet or icy roads.
Visibility can be severely compromised during heavy rain, fog, or snowstorms. Use your headlights to improve visibility, but avoid using high beams as they can reflect off precipitation and further reduce your ability to see. If visibility becomes too poor, it's often safer to pull over and wait for the weather to improve rather than continue to drive in dangerous conditions.
Hydroplaning is a common and frightening occurrence during heavy rain. If your vehicle starts to hydroplane, it's essential to stay calm, ease off the accelerator, and steer in the direction you want the car to go. Avoid making sudden movements or slamming on the brakes, as this can cause you to lose further control.
The Role of Insurance in Severe Weather Incidents
Understanding how your Oklahoma auto insurance policy covers severe weather incidents is essential. At Streller Insurance Agency, we strive to ensure our clients have comprehensive coverage that protects them in a wide variety of scenarios. Comprehensive car insurance will typically cover damage caused by natural events such as hail, flooding, and falling debris from storms. However, reviewing your policy details is important to understand any limitations or exclusions that may apply.
Documenting a weather-related accident thoroughly is crucial. Take photos of the damage, gather witness statements if possible, and report the incident to your insurance company as soon as it is safe to do so. Our team at Streller Insurance Agency is always ready to assist you in navigating the claims process, ensuring you receive the support you need during a stressful time. If our team insures you and you’ve been in an accident after alerting the appropriate emergency response team, please contact us if you need assistance determining what to do following the accident with regard to repairs, insurance claims, and more.
Tornado Safety Tips for Drivers in OK
Tornadoes present one of the most severe weather threats in Oklahoma. If you find yourself on the road when a tornado warning is issued, your primary goal should be to seek shelter immediately. While it might be tempting to outrun a tornado, this is not a safe option. Tornadoes can change direction unpredictably, and their speed can exceed a vehicle's.
If you cannot reach a sturdy building, the next best option is to find a low-lying area, such as a ditch, and lie down while covering your head. Avoid seeking shelter under overpasses, as these can create wind tunnels that increase the danger of flying debris. It's also essential to keep your seatbelt on and remain in the vehicle if no better options are available.
Handling Hailstorms While Driving
Hailstorms can cause significant damage to your vehicle and pose a safety risk. If you're driving when a hailstorm begins, seek cover immediately. Parking in a covered parking area or any substantial shelter can prevent damage to your car. If no shelter is available, angle your vehicle so that the hail hits the rear of the car rather than the windshield, reducing the risk of shattered glass.
During a hailstorm, stay inside the vehicle and wait for the storm to pass. Large hailstones can cause serious injury; remaining in the car is much safer. Once the storm has passed, check for damage and document it for insurance.
Flooded Roads: A Serious Hazard in OKC
Flooded roads are hazardous and should be avoided whenever possible. It only takes a small amount of water to lose control of your vehicle or to become stranded. If you encounter a flooded road, turn around and find an alternate route. The phrase "Turn Around, Don't Drown" is a vital reminder of the dangers posed by floodwaters.
If caught in rising water, abandon the vehicle and move to higher ground if it's safe. Do not attempt to drive through moving water, as the force of the water can quickly sweep your vehicle away. It's also important to avoid areas where water covers road signs or guardrails, as this indicates that the water is deep enough to pose a significant risk.
Insurance Claims and Severe Weather
Filing an insurance claim after a severe weather incident can be daunting, but the team at Streller Insurance Agency aims to make it as smooth as possible for our clients. Start by contacting us immediately after the incident to report the damage. Detailed information, including photos and other documentation, will help expedite your claim.
Our team will guide you through the steps to assess the damage and will work with you to ensure your claim is processed efficiently. Understanding your policy's coverage limits and any deductibles is important, so don't hesitate to ask questions and seek clarification during this process.
Proactive Steps to Reduce Severe Weather Risks When Driving
Taking proactive steps can significantly reduce the risks associated with driving in severe weather. Here are a few steps to take today to reduce your risk:
Install weather alerts on your mobile device can provide timely warnings about severe weather conditions.
Adjust your plans or driving route accordingly when storms are coming your way.
Avoid travel during known severe weather periods, such as during a tornado watch or when heavy rainfall is forecasted.
Consider enhancing your insurance coverage if you live in an area prone to severe weather. Comprehensive coverage, rental reimbursement, and roadside assistance are valuable additions to your policy that can provide extra peace of mind and financial protection during a severe weather incident.
Oklahoma Severe Weather Insurance Help
Driving in severe weather is a reality for many Oklahomans. Still, you can navigate these challenges safely with the proper preparation and knowledge. At Streller Insurance Agency, we are dedicated to helping our clients understand the risks and take the necessary steps to protect themselves and their vehicles.
By maintaining your vehicle, adjusting your driving habits, and ensuring you have the right insurance coverage, you can minimize the dangers of severe weather. Remember, our team is always here to support you and provide the guidance you need to stay safe on the road. If you are looking for affordable auto coverage in Oklahoma with the support of an experienced team, look no further. Request a quote online today!
