Winter storms often contain the force to inflict significant damage to personal property. That’s why those in the path of a winter storm must prepare ahead to keep their property safe.

Often, storm preparation involves securing your home, buying provisions and protecting your family. One common asset that you might neglect is your vehicle. Even though cars are durable, they are not immune to damage from winter weather.

Before the Storm Hits, Safeguard Your Car

Cars can often withstand much of what winter has to offer. However, they can benefit from a little help from their owner. By protecting the vehicle, you might prevent catastrophic damage from a weather hazard. You might also be able to slow the effects of cold weather on normal wear and tear. Keep these protective steps in mind:

• Consider placing your car in a garage or carport.

• Check your oil, engine, battery and fluid levels. Top them off if necessary. You should have regular maintenance on your vehicle to keep these levels in check.

• If you cannot park your vehicle in a garage, move it to a safe place, out of the way of direct exposure to weather. However, don’t park where debris or falling objects might damage it. For example, don't park your car under a snow-laden tree.

• Clear accumulation off your car as soon as it is safe to do so.

• Ensure that the car’s window and door seals will keep moisture out. If you have concerns about the seals, you might need to place a protective cover over the car.

• Remove valuables from your vehicle that might become damaged by exposure to cold.

• Keep your car insurance paperwork handy. If your vehicle sustains damage, contact your insurer to see if you can file a claim. They will instruct you on how to document damage and proceed with the claim.

• Do not drive during the inclement weather if at all possible.

Whether you have car insurance coverage for damage after a winter storm will depend on your policy and the nature of the damage. Insurance policies may offer comprehensive coverage for some of the damage. For example, they might provide coverage if a snow-laden tree falls on the car. However, the policy might not provide protection for a dead battery or damaged engine that resulted from neglected maintenance, exacerbated by the storm. So, it is important that you take steps to protect your vehicle before winter weather strikes.

Additionally, make sure you talk to your auto insurer about the best ways to insure your vehicles. Our website can help you better understand how to structure your policy.