Deep Freeze and Vehicle Breakdowns

Deep Freeze and Vehicle Breakdowns: Surviving -30°C and Understanding Its Impact on Your Car & Insurance Claims

As winter tightens its grip on Edmonton, residents brace themselves for one of the most challenging seasons for vehicles—deep freeze conditions with temperatures plummeting below -30°C. According to Environment Canada, Edmonton experiences an average of 10 to 15 days in January where the thermometer dips below this bone-chilling mark. While the picturesque snowfall paints a beautiful landscape, this extreme cold poses significant challenges for your car and complicates insurance claims when vehicle breakdowns occur.

In this blog, we’ll explore how deep freeze temperatures impact your vehicle’s performance, what common problems arise, and what you need to know about your insurance policy—including crucial coverage for roadside assistance. Understanding these factors can help you prepare for the severe cold snap and avoid costly surprises when winter strikes hard.

The Deep Freeze and Vehicle Breakdowns: What You Need to Know

Winter in Edmonton is not just cold; it’s harsh and relentless. When temperatures drop into the -30°C range, everyday elements such as engine oil, battery power, and tire traction behave very differently. Preparing your winter car for unexpected breakdowns is crucial, as harsh driving and road conditions can quickly lead to trouble. Here are some of the key ways extreme cold impacts your vehicle:

1. Battery Failure is the #1 Cause of Winter Breakdowns

The single most common reason cars break down during Edmonton’s coldest days is battery failure. Cold weather reduces a battery’s capacity significantly—the chemical reactions that generate power slow down, leaving your battery weak and struggling to start the engine. Car batteries can lose about a third of their power in freezing conditions, and older batteries (3+ years) often fail to provide sufficient cold cranking amps. Alberta drivers often neglect preventative maintenance like battery testing, which increases the risk of winter breakdowns. According to the Alberta Motor Association, regular battery care and winter driving tips are essential for safe winter travel. It’s important to have your car battery professionally tested before winter and consider replacing it with a new battery if it’s aging.

Pro Tip: Check your battery’s health before the cold snap hits. Many auto shops offer battery testing services, and replacing a weak battery before winter arrives is a smart investment. Also, keep in mind that batteries over 3-4 years old are often less reliable in extreme cold.

2. Thickened Engine Oil and Fluids Slow Your Car Down

Extreme cold thickens engine oil and other fluids, making it harder for your engine to turn over and operate smoothly. This extra strain can cause wear and potentially lead to breakdowns if your vehicle isn’t properly winterized. Cold weather thickens engine oil, making it harder for the engine to turn over, so switching to a lower-viscosity or winter-grade synthetic oil is recommended for better flow in cold temperatures. Regular oil changes and using the correct antifreeze mixture are also important to prevent engine freezing and ensure proper operation.

Using winter-grade oils and ensuring fluids are topped up can minimize this risk.

3. Tire Traction Issues

Freezing temperatures can lead to icy or snowy roads, severely impacting your vehicle’s traction. Most tires lose pressure in cold weather, and tires can lose about one pound per square inch for every 5°C drop in temperature. Checking tire pressure should be a monthly routine all year round, as air contracts in cold weather, causing pressure to drop roughly 1-2 PSI for every 10°F decrease. Winter tires with softer rubber compounds designed for cold weather improve grip and control. Driving on all-season or summer tires during a deep freeze increases slip-and-fall risks and accidents. Winter driving conditions and road conditions, such as snow, ice, and slush, require extra caution and proper winter car maintenance.

Common problems associated with extreme cold include dead batteries, thickened engine oil, frozen fuel lines, and tire pressure drops. Moisture can freeze door locks, windshield wipers to glass, and rubber door seals shut—applying a silicone-based lubricant to these areas can prevent sticking. Diesel fuel may gel in extreme cold, and rubber belts and hoses can become brittle and prone to cracking or leaking. Condensation in a partially empty gas tank can freeze and block fuel lines, while road salt can accelerate rust and corrosion on your vehicle. It’s recommended to schedule a professional tune-up to identify and address potential winter-related issues before the cold sets in.

Winter Driving Essentials: Gear and Tips for the Coldest Days

When the mercury plunges and winter driving becomes a daily challenge, having the right gear and knowledge can make all the difference. Cold weather and freezing temperatures can wreak havoc on your vehicle’s performance and your safety, so it’s essential to be prepared before you hit the road.

First and foremost, invest in a quality set of winter tires. Unlike all-season tires, winter tires are specifically designed for cold temperatures and icy roads, offering superior traction and control. This can significantly reduce your stopping distance and help prevent accidents when roads are slick with snow or ice.

Don’t forget to check your tire pressure regularly. Low tire pressure is common in cold weather, as tires lose about one pound of air pressure for every 5°C drop in temperature. Driving with low tire pressure can reduce your vehicle’s control and increase the risk of a flat tire, especially during extreme cold snaps.

A block heater is another winter essential. Plugging in your block heater for at least four hours when the outdoor temperature drops below -15°C helps your engine start more easily and reduces wear during cold starts. This simple step can save you from unexpected breakdowns on frigid mornings.

Keeping your gas tank at least half full is also crucial in winter. Not only does this help prevent your fuel lines from freezing, but it also ensures you have enough fuel to keep your car running and warm in case you get stuck or stranded.

Finally, always carry a winter emergency kit in your vehicle. Your kit should include a first aid kit, bottled water, a folding shovel, and other essentials to keep you safe if you’re caught in a breakdown or severe weather. Being prepared with the right gear can make winter driving safer and give you peace of mind, no matter how low the temperature drops.

Car Maintenance and Safety: Keeping Your Vehicle Winter-Ready

Staying on top of car maintenance is the key to keeping your vehicle winter-ready and safe during the harshest months. Cold weather, snow, and ice put extra strain on every part of your car, so a proactive approach to winter maintenance is essential.

Start by checking and maintaining the proper levels of engine oil, coolant, and other vital fluids. Using the right engine oil for winter conditions helps ensure reliable cold starts and protects your engine from damage caused by thickened oil in low temperatures. Don’t forget to top up your windshield washer fluid with a winter-grade formula to keep your visibility clear during snow and ice storms.

Battery care is especially important in cold temperatures. A weak or aging battery can quickly become a dead battery when the temperature drops. Have your battery tested before winter sets in, and if there’s any doubt about its health, consider replacing it or arranging alternate transportation until you’re sure your car is reliable.

Other winter maintenance tips include inspecting and replacing worn wiper blades, checking your brake pads and rotors for optimal stopping power, and making sure your vehicle’s heating and defrosting systems are working properly. These simple steps can help you avoid unexpected breakdowns and keep you safe on icy roads.

By prioritizing winter maintenance, you’ll ensure your car is ready to handle whatever the season throws at it—keeping you, your passengers, and your vehicle safe all winter long.

Insurance Policies & the Deep Freeze: What’s Covered?

When your car struggles or breaks down during harsh Edmonton winters, your insurance policy plays a critical role in protecting you—not just financially but also logistically. Insurance coverage for roadside assistance is especially important in the event of an unexpected breakdown during extreme cold, when safety and timely help are crucial. However, many people don’t realize that basic auto insurance policies often don’t include towing or roadside assistance coverage.

Does Your Policy Include Towing?

If your battery fails and your car won’t start, or if your vehicle gets stuck in icy conditions, you’ll likely need roadside help. Towing and emergency roadside services are not standard in all policies. This can result in unexpected, hefty out-of-pocket costs at the worst possible time.

Check your policy now: See if roadside assistance or towing is included. If not, adding this coverage before the next polar vortex hits is crucial to avoid being stranded in the cold.

Filing Claims in the Cold

Incidents like accidents on icy roads or damage from falling ice (more on this next) will require a clear understanding of your policy’s coverage. Ensure you know the details about:

  • Damage from collisions or weather-related incidents
  • Comprehensive coverage specifics (for non-collision damage)
  • Claims timelines and procedures to avoid delays

Hidden Winter Risks: Ice Falling from Roofs

While hail is typically a risk during warmer months, winter in Edmonton brings its own unique hazards.

Ice Fall Damage

Large sheets of ice can accumulate on rooftops during snowfall and freeze-thaw cycles. When these eventually fall, they can cause serious damage to vehicles parked below. This hazard is often overlooked, yet it can lead to cracked windshields, dents, and other body damage.

Park Wisely: Avoid parking directly next to buildings with heavy icicles or snow buildup on roofs. Opt for open lots or sheltered garages if possible to reduce your risk.

Emergency Preparedness: What to Do If You’re Stranded

No one expects to be stranded in the middle of a deep freeze, but extreme temperatures and winter months can catch even the most prepared drivers off guard. That’s why emergency preparedness is a must for anyone braving cold weather on Alberta’s roads.

Always keep a well-stocked roadside kit in your vehicle. Essential items include booster cables, a warm blanket, a first aid kit, bottled water, and a folding shovel. These supplies can help you stay safe and comfortable until roadside assistance arrives if your vehicle breaks down.

If you do find yourself stranded, stay calm and call for roadside assistance or emergency services right away. While waiting, run your engine periodically to stay warm, but always crack a window slightly to prevent dangerous carbon monoxide buildup. If your car won’t start and you have a portable charger, try boosting your battery, or seek alternate transportation to get to a safe location.

Remember, your safety is the top priority. Dress in warm clothing, use caution triangles to alert other drivers, and stay with your vehicle if possible. Being prepared for the unexpected can make all the difference when facing extreme temperatures and winter emergencies.

With the right roadside kit and a clear plan, you’ll be ready to handle whatever winter throws your way—keeping you safe, warm, and in control, even when the weather is at its worst.

Preparing for the Worst: Be Proactive This Winter

With these insights, you can take practical steps to safeguard both your vehicle and your wallet:

  • Battery Check and Replacement: Have your battery and block heater tested before winter using a multimeter or by a professional. Replace the battery if it’s old or weak to avoid breakdowns in deep freeze conditions.
  • Winterize Your Vehicle: Prepare your winter car by using the correct fluids, including only winter-rated windshield washer fluid designed for sub-zero temperatures (rated for -40°C or colder), and install winter tires. Winterizing your vehicle ensures it is ready for harsh winter conditions.
  • Review Your Insurance Policy: Confirm roadside assistance and towing coverage.
  • Choose Parking Spots Carefully: Avoid areas prone to icefall damage.
  • Emergency Kit: Prepare an emergency kit that includes a blanket, warm clothing, caution triangles, a flashlight, gloves, a folding shovel, jumper cables, a first-aid kit, snacks, and a shovel.
  • Keep Your Gas Tank Above Half: Keeping your gas tank at least half full is critical during winter months to prevent fuel line freeze-up and to allow idling for warmth if stranded.
  • Electric Vehicle Owners: Use preconditioning while plugged in to warm the battery and cabin, which can recover 10–20% of winter range.

Protect Yourself Before the Next Polar Vortex Hits

Don’t wait until you’re stranded in the cold to realize your insurance doesn’t cover towing or roadside assistance. Winter in Edmonton is predictably harsh, and deep freeze days below -30°C are part of the seasonal reality.

Add roadside assistance to your policy before the next polar vortex hits to ensure you’re covered for battery failures, breakdowns, and emergency towing services. Being prepared not only protects your vehicle but also your peace of mind when temperatures drop and the city freezes over.

Winter can be brutal, but with the right preparation, your car doesn’t have to suffer. Stay warm, stay safe, and be ready for Edmonton’s deep freeze.

Drive safe this winter and keep your car—and your insurance—ready for whatever the cold throws your way!

Frequently Asked Questions

Why is battery failure the most common cause of winter breakdowns during Edmonton’s deep freeze?

Extreme cold temperatures reduce a battery’s capacity by slowing down the chemical reactions that generate power. In conditions below -30°C, car batteries—especially those over 3-4 years old—can lose about one-third of their power, making it difficult or impossible to start the engine. Regular testing and timely replacement are key to preventing breakdowns.

Does my basic auto insurance policy cover towing or roadside assistance if my car breaks down in extreme cold?

Many basic auto insurance policies do not include towing or roadside assistance as standard coverage. It’s essential to review your policy to see if this coverage is included and consider adding it before winter hits. Without it, you may face significant out-of-pocket expenses in the event of a cold-weather breakdown.

How do winter conditions like freezing temperatures affect my vehicle’s fluids and tires?

Cold weather thickens engine oil and other fluids, which can strain your engine and increase wear if not properly winterized. Tires lose air pressure as temperatures drop—about one pound per square inch for every 5°C—reducing traction on icy or snowy roads. Using winter-grade oils and winter tires designed for cold conditions helps maintain vehicle performance and safety.

What precautions should I take to avoid damage from ice falling off roofs during winter?

Ice accumulation on rooftops can fall unexpectedly, causing dents, cracked windshields, and other damage. Avoid parking directly next to buildings with heavy icicles or snow buildup on roofs. Whenever possible, use open parking lots or sheltered garages to minimize this hidden winter risk.

What emergency gear should I keep in my car in case I get stranded during a deep freeze?

A well-stocked winter emergency kit should include jumper cables, a warm blanket, a first aid kit, bottled water, a folding shovel, gloves, a flashlight, snacks, and caution triangles. These items can keep you safe and comfortable until help arrives if faced with a breakdown in extreme cold.

Did you know we also offer Edmonton Snowmobile Insurance? Contact us to get a quote now!

Holiday Driving and Black Ice Risks in Edmonton: What to Do After a Fender-Bender

The festive cheer and bustling activity of December in Edmonton come with an often-overlooked downside: an increased number of vehicle collisions. Holiday driving presents unique challenges that catch many drivers off guard, especially when black ice pockets lurk on roadways, daylight hours shrink, and traffic thickens due to the seasonal rush. According to the City of Edmonton collision statistics, these conditions culminate in a spike in accidents during December, with rear-end collisions ranking as the predominant crash type. Crash rates begin to rise as early as late November with the onset of winter conditions, and the frequency of car accidents increases significantly during the holiday season.

As the roads become slicker and visibility diminishes, understanding how to drive safely is vital. Equally important is knowing exactly what to do if you find yourself in a minor fender-bender—a common outcome during this hectic season.

In this comprehensive guide, we will explore the factors influencing holiday driving dangers in Edmonton, delve into why black ice presents such a serious threat, review common accident types during rush hour, and provide a clear, practical roadmap on how to manage minor car collisions when they happen. We’ll also share essential safety tips for navigating holiday driving and black ice risks, and highlight why working with an insurance broker is a smart move for hassle-free claims and protection.

Key Takeaways

  • December presents heightened risks for drivers in Edmonton, fueled by holiday stress, shorter daylight hours, and the hazardous presence of black ice. Remember to drive safely during the holiday season.
  • Rear-end collisions are the most frequent type of accident, particularly during stop-and-go traffic conditions on Edmonton’s busiest routes. Motorists are particularly affected by these types of collisions.
  • Understanding black ice and its risks can save lives—black ice often appears invisible, making it especially dangerous during the winter months.
  • If involved in a minor accident, follow a clear, step-by-step process: prioritize safety, take detailed photos, exchange information with the other party, and notify your insurance broker promptly rather than dealing directly with insurers alone.
  • Brokers provide essential advocacy during claims and disputes and offer comprehensive support tailored to your needs.
  • Lastly, if you’re planning to travel outside Alberta for the holidays, make sure to confirm your insurance coverage with your broker first to avoid unexpected complications.

December Road Risks in Edmonton: Stress, Darkness, and Ice

Holiday driving in Edmonton during December is no small challenge. According to numerous traffic safety studies and local reports, the combination of various environmental and psychological factors creates a perfect storm for accidents. Key contributors include:

Holiday Stress and Rushed Driving

The holidays often bring an increased emotional load. Deadlines, gift shopping, family commitments, and tight schedules can lead to distracted and impatient driving. Stress compromises focus and reaction time, leading to dangerous driving behaviours like tailgating or abrupt lane changes. Drivers may rush to beat traffic or bad weather, increasing the likelihood of collisions.

Shorter Daylight Hours and Visibility Issues

With the winter solstice in late December, Edmonton experiences its shortest daylight hours of the year. For many commuters, darkness falls on the drive home. Reduced natural light diminishes visibility, making it harder to spot hazards and react promptly. Additionally, poor weather conditions—fog, snow flurries, or blowing snow—can further obscure vision. Dangerous conditions can arise quickly when poor visibility combines with icy surfaces, making proactive awareness essential.

Black Ice Risks: The Silent Road Killer

Black ice is a thin, nearly invisible layer of ice on the road surface. It forms under specific weather conditions and is especially common during Edmonton winters. Freezing rain is a major contributor to black ice formation, creating hazardous winter driving and increasing the risk of accidents. The danger lies in its invisibility; roads look wet but are actually dangerously slick. Vehicles often lose traction unexpectedly, resulting in spinouts, slides, or collisions.

Preparing Your Vehicle for Winter Driving

Getting your vehicle ready for winter driving is one of the most important steps you can take to stay safe during Edmonton’s holiday season. As experienced drivers know, the right preparation can make all the difference when you’re facing black ice, snow, and slippery, icy roads.

Start with Winter Tires: Switching to winter tires is essential for maintaining traction and more control in freezing conditions. Unlike summer or all-season tires, winter tires are designed to grip the road better in cold temperatures, snow, and ice. Make sure your tires have adequate tread depth and are properly inflated—this helps your vehicle handle slick roads and reduces the risk of losing control.

Check Tire Pressure and Tread: Cold air causes tire pressure to drop, so check your tire pressure regularly as temperatures dip. Inspect the tread depth to ensure your tires can channel away snow and slush, giving you better traction on icy roads.

Consider Snow Tires: If you drive frequently or live in areas with heavy snow and ice, investing in snow tires can provide even more control and safety. These tires are specifically engineered for winter conditions and can help you avoid accidents on slippery roads.

What Do Edmonton Car Accidents Statistics Say?

Analyses of City of Edmonton collision data confirm the seasonal pattern: December reports one of the highest numbers of traffic collisions annually, correlating directly with shorter daylight, colder temperatures, and increased traffic volume. Rear-end collisions dominate these stats, especially on popular commuter highway routes like Whitemud Drive and Anthony Henday Drive. These highways encounter frequent stop-and-go traffic during rush hours, where sudden braking in icy conditions often leads to pile-ups. Crash rates on these highways rise significantly during the winter months, particularly in areas prone to black ice and reduced visibility.

Additionally, Erieau Road on the Erieau Peninsula lakeshore is recognized as a particularly hazardous winter road in Canada due to Lake-effect snow, narrow lanes, and shoreline curves, making it especially risky during holiday driving back east.

Black Ice Demystified: Why It’s Such a Hazard During Holiday Driving

To navigate winter roads safely, understanding what black ice is and how it behaves is crucial:

How Does Black Ice Form?

  • Temperature and moisture: When road temperatures fall below freezing and moisture from fog, rain, or melting snow refreezes, black ice forms. It’s particularly prevalent on clear, cold nights.
  • Common locations: Bridges and overpasses freeze faster than other parts of the road and stay icy longer since they lose heat quickly or receive less sunlight. Shaded areas and low-lying sections are also high-risk spots.
  • Why it looks “black”: Unlike white ice or snow that scatters light visibly, black ice is transparent and blends with the dark asphalt underneath, rendering it nearly invisible to drivers.
  • Sand is often used alongside salt and other materials to help prevent black ice formation and improve traction on roads.

Why Is Black Ice Dangerous?

  • Loss of traction: Tires cannot grip the surface effectively, leading to skids.
  • Extended stopping distances: Braking becomes less effective, increasing the risk of rear-end collisions and pile-ups.
  • Sudden slips: Even careful drivers can slip on black ice unexpectedly, making controlling the vehicle difficult.
  • Nighttime risk spike: Limited visibility at night worsens the danger since drivers can’t visually detect black ice patches as readily.

Identifying Black Ice on the Road

Though tricky, some signs can indicate black ice presence:

  • Shiny, mirror-like pavement under otherwise wet conditions.
  • Areas where other vehicles appear to be moving more cautiously, or tire marks indicate skids.
  • Sudden cold air temperature drops combined with light fog or mist.

How to Drive Safely on Black Ice

  • Slow down considerably before potential black ice zones, especially bridges and shaded curves.
  • Do not brake abruptly; ease off the accelerator and brake gently to avoid locking wheels.
  • Focus on smooth steering inputs to avoid sudden vehicle sideways movements.
  • Increase the following distance to at least three times your normal gap.
  • Remain extra vigilant and avoid distractions altogether.

Rush Hour Realities: Rear-End Collisions in Edmonton’s Congested Corridors

December’s rush hour in Edmonton transforms major corridors into accident hotspots. Notably, Whitemud Drive and Anthony Henday Drive see dense commuter traffic that slows to a crawl or stop-and-go patterns during mornings and evenings.

Why So Many Rear-End Collisions?

  • Traffic volume and volume spikes: Holiday shopping traffic and seasonal travel swell road usage.
  • Weather impact: Ice patches cause sudden braking, leaving little room for error.
  • Distracted or impatient drivers: Congestion creates frustration, while stress and inattention inhibit safe distances and reaction times.
  • Close following distances: Many drivers tailgate in traffic jams, leaving inadequate stopping room during sudden stops.

Typical Consequences

Rear-end collisions mostly result in vehicle bumper damage, fender dents, or minor bumper knocks, but can still cause significant inconvenience and costly insurance claims. They frequently cause traffic backups, contribute to secondary collisions, and increase emergency response requirements.

How to Stay Safe During Holiday Rush Hour

Here are some practical tips for avoiding rear-end collisions in winter traffic:

  • Maintain a safe following distance—increase it in winter weather.
  • Stay focused on the road and avoid distractions such as cell phones or infotainment systems.
  • Anticipate traffic flow changes and brake progressively, not abruptly.
  • Be patient—avoid aggressive lane changes or tailgating, even if in a hurry.

What to Do After a Minor Fender-Bender: A Step-By-Step Guide

Despite best efforts, accidents can happen. If you are involved in a minor collision this holiday season, here’s a detailed, practical approach to manage the situation responsibly and effectively:

Step 1: Stay Calm and Ensure Safety

  • Immediately turn on hazard lights to alert other drivers.
  • Move vehicles to a safe location if possible without blocking traffic.
  • Check yourself and passengers for injuries—call emergency services if needed.
  • Await help or traffic police if the situation calls for it.

Step 2: Secure the Scene and Prevent Additional Risks

  • Place safety triangles or cones if you have them, and it’s safe to do so.
  • Remain in your vehicle or nearby but out of traffic lanes.

Step 3: Exchange Essential Information

Politely and calmly exchange with the other driver(s):

  • Full names and contact details
  • Driver’s license numbers
  • License plate numbers
  • Vehicle make, model, and colour
  • Insurance company names and policy numbers
  • Note the vehicle registration province as it’s relevant for claims

Step 4: Document the Incident Thoroughly

  • Use your phone or camera to capture clear images of:
  • Damages to all vehicles involved
  • The surrounding area, including the entire scene
  • Road conditions and potential hazards (especially black ice patches or weather conditions)
  • Traffic signs, signals, and any skid marks
  • Write down the date, time, and exact location (including GPS coordinates if possible).
  • Record short notes about how the accident happened and the weather conditions.

Step 5: Talk to Witnesses

  • Approach any bystanders who may have seen the collision.
  • Collect their names and phone numbers.
  • Ask for a brief description of what they observed.

Step 6: Notify Your Insurance Broker, Not Just the Insurer

  • Call your insurance broker immediately to report the incident.
  • Provide them with all the collected information and documentation.
  • A broker acts as your advocate during claims and disputes, ensuring proper attention to your case.
  • Insurers often have a direct claims line, but they may not offer personalized guidance or negotiation support that brokers provide.

Step 7: Avoid Any Admission of Fault or Statements That Could Be Used Against You

  • Stay factual when describing events—do not speculate or admit liability on the spot.
  • Keep discussions limited to essential information exchange.

Step 8: Follow Up on Your Claim

  • Work closely with your broker to determine coverage, next steps, and repair options.
  • Keep records of all correspondence and expenses.

Holiday Travel Safety Tip:
During long holiday journeys, remember to take regular rest breaks. Stopping to rest helps you stay alert and reduces the risk of accidents, especially when driving in challenging winter conditions like black ice.

Why Choose a Broker? The Insurance Advantage You Need

Working with an insurance broker, especially during the busy holiday season, can have significant advantages, such as:

Personalized Claims Support

Brokers guide you through the complex claims process, interpreting policy language and helping tailor your submission. They can clarify confusing terms you might face if dealing only with an insurer.

Advocacy and Dispute Resolution

If you face disputes about liability or claim denials, brokers act as your advocate to negotiate and challenge decisions for a fair outcome.

Customized Coverage Advice

A broker ensures you have appropriate coverage based on your lifestyle—be it holiday road travel, winter driving hazards, or extended trips out of province.

Peace of Mind

With expert brokers managing your claims, you experience less stress, faster resolution, and comprehensive protection.

Preparing for Holiday Travel Outside Alberta

Many Edmonton residents travel outside the province during the holidays, whether to visit family or embark on winter vacations. Before hitting the road beyond Alberta’s borders:

  • Contact your insurance broker to confirm coverage.
  • Provincial insurance regulations vary, and your policy may require endorsements or adjustments for comprehensive out-of-province protection.
  • Consider additional travel protections such as rental vehicle coverage or roadside assistance.
  • Make sure your vehicle is winterized and prepared for unfamiliar road conditions.

Conclusion

Holiday driving in Edmonton demands heightened vigilance and preparation. The combination of shorter daylight hours, holiday stress, and the lurking danger of black ice multiplies risks on the roads. With traffic congestion on major arteries like Whitemud Drive and Anthony Henday Drive escalating rear-end collision rates, staying alert and cautious is crucial.

If a minor collision occurs, a calm, organized approach coupled with immediate notification to your insurance broker can protect your rights and make the claims process as smooth as possible. Remember, brokers don’t just process claims—they advocate for you.

Plan ahead, drive safely, and before your holiday travels beyond Alberta, confirm your insurance coverage with us for a worry-free holiday season.

Travelling out of province for the holidays? Confirm your coverage with us first to enjoy a safe, worry-free journey.

Frequently Asked Questions (FAQs)

1. Why do holiday driving conditions in Edmonton lead to more accidents?

December brings stress, shorter daylight hours, and dangerous road conditions such as black ice, all of which increase the likelihood of collisions, especially rear-end crashes in heavy traffic.

2. What is black ice, and why is it particularly risky?

Black ice is a thin, transparent layer of ice on the road that looks like wet pavement. It reduces tire traction drastically and can cause sudden loss of vehicle control.

3. What should I do immediately if I’m involved in a minor fender-bender?

Ensure safety first, move vehicles if possible, exchange detailed information with other parties, document the scene thoroughly with photos, gather witness info, and notify your insurance broker promptly.

4. How does notifying a broker help compared to contacting the insurer directly?

Brokers provide personalized claims support, advocate for your best interests during disputes, and help interpret your coverage options to expedite settlements.

5. Does my Alberta insurance automatically cover me when driving outside the province during the holidays?

Not always. Coverage rules vary by province. Always confirm with your insurance broker before travelling outside Alberta to avoid gaps or surprises in coverage.

For further assistance or to review your holiday driving insurance needs, contact us today. Safe travels and happy holidays!

First Snow Winter Readiness For Your Car

Snowfall warnings: Is Your Car (and Insurance) Winter-Ready?

Is your car ready for the first snow? Driving in winter weatherdemands more from both cars and drivers. Reduced reaction times, icy roads, and freezing temperatures can turn a simple drive into a dangerous journey, especially during extreme weather. This guide helps you with first snow winter readiness for your car. Learn how to check your tires, battery, and fluids, and prepare an emergency kit for safe winter driving.

Key Takeaways

  • Install winter tires to ensure better grip and handling on icy roads, significantly improving safety during winter driving.
  • Regularly check vehicle battery health and essential fluids like coolant and windshield washer fluid to prevent breakdowns and maintain visibility.
  • Prepare a winter car emergency kit with essentials such as a shovel, first aid supplies, and warm clothing to ensure safety during unexpected winter events.

Inspect and Change to Winter Tires

A close-up image of winter tires with snow in the background, highlighting their tread patterns for better grip during winter driving.

While Alberta law doesn’t mandate winter tires in cities, they can significantly reduce stopping distances by 25–60% on ice. Winter tires, with unique rubber compounds and tire’s tread patterns, offer better grip and handling on snowy and icy roads. Unlike all-season tires, snow tires, and studded tires, they stay flexible in colder temperatures, providing superior traction and control.

Regularly checking tire pressure is crucial since cold weather can cause it to drop, affecting your vehicle’s handling and stability. Make this a habit, particularly as temperatures decrease. Additionally, ensure that the tread depth on your winter tires is at least 4 mm to provide adequate traction on snow-covered roads. Check your tire pressure regularly for optimal performance.

Inspect your winter tires for visible damage and proper inflation before the first snowfall. This simple step can prevent accidents and keep your vehicle safe in wintry conditions. Remember, preparing your car with winter tires is not just about compliance; it’s about ensuring the safety of everyone on the road.

Check Your Battery Health

Cold weather can significantly reduce your car battery’s power when temperatures drop, making it harder to start your vehicle. A typical car battery can lose around 20% of its capacity at 0°C and nearly 50% at -18°C. Therefore, checking your battery health before winter is crucial to avoid any unexpected breakdowns.

Signs of a weak battery include slow engine cranking, dim headlights at idle, and clicking sounds during startup. If your battery struggles to hold a charge, it might need to be replaced. Professional battery testing can assess cold cranking amps and overall battery health, preventing winter breakdowns.

Replacing a weak battery before winter can save you from costly emergency services in freezing temperatures. To prevent any starting issues, ensure the following:

  • Your battery is fully charged.
  • Your battery is in good health.
  • A fully charged battery should read at least 12.6 volts. Routine checks can prevent the inconvenience of being stranded in freezing temperatures.

Top Up Essential Fluids

In winter, topping up essential fluids is critical to keep your vehicle running smoothly. Using a winter-grade windshield washer fluid is essential to maintain visibility, as it helps prevent freezing and clears road salt from the windshield. This simple step can make a huge difference in your ability to see clearly during snowstorms.

An oil change before winter ensures your engine runs smoothly and prevents the oil from thickening due to low temperatures. Additionally, regularly checking brake fluid is crucial, as discoloured or low levels can indicate a need for a top-up or potential flush. Ensuring these fluid levels are adequate can prevent freezing and ensure your vehicle functions properly during winter.

Don’t forget to check your coolant levels to prevent your engine from freezing. Regularly topping up these essential fluids can save you from unexpected issues and keep your car in top shape throughout the winter months.

Examine Wiper Blades and Lights

Wiper blades are your best friends when it comes to maintaining visibility in rain or snow. Ensuring your windshield wipers are in good condition is crucial for safe winter driving. Key points to consider:

  • Worn wiper blades can significantly impair your ability to see clearly during adverse weather.
  • Check your wiper blades regularly.
  • Replace them if necessary.

Properly functioning vehicle lights are equally important for visibility and safety. Check that your headlights, taillights, and turn signals are all working correctly. Make sure your headlights are correctly aimed to maximize visibility and avoid blinding other vehicle drivers.

Good visibility is key to safe driving in winter conditions, so take the time to prepare your car in this regard.

Prepare a Winter Car Emergency Kit

An array of winter car emergency kit items laid out on a snowy surface, showcasing essential tools for safe winter driving.

Winter travel can be unpredictable, and having a well-stocked winter car emergency kit can be a lifesaver if you get stranded. Your kit should include:

  • A snow shovel
  • Snow brush
  • Ice scraper
  • Windshield wiper fluid to help you manage snow and ice buildup
  • Jumper cables
  • A tow rope
  • A spare set of wiper blades

These items are essential for ensuring your vehicle remains operational in emergencies.

Pack the following items to stay warm and prepared for your winter checklist:

  • A blanket
  • Winter gloves
  • A hat
  • Boots
  • Extra socks
  • Hand and foot warmers for immediate warmth if stuck in cold weather
  • Non-perishable snacks
  • Water bottles
  • A candle with matches
  • A whistle
  • A wind-up flashlight

These items are crucial for survival if you have to wait for help.

A small tool kit with screwdrivers and pliers can be useful for minor repairs, while traction aids like sand or kitty litter can help improve tire grip in slippery conditions. Don’t forget:

  • A first aid kit
  • A lock de-icer to ensure you can access your vehicle in freezing conditions
  • Having sufficient fuel in your tank prevents being stranded during emergencies and keeps your vehicle operational.

Ensure Heating and Cooling Systems are Functional

Your car’s heating and cooling system is crucial for comfort and safety during winter. Coolant must be checked for its proper concentration to avoid freezing and to ensure effective heating in cold weather. Having adequate antifreeze in the radiator prevents the engine from freezing and ensures proper heating performance.

Regular maintenance checks of hoses, connections, and power steering fluid levels can prevent leaks and ensure your heating system is working efficiently. Ensuring these systems are functional can prevent discomfort and dangerous situations during winter travel.

Keep Your Gas Tank Full

Keeping your gas tank at least half full is essential for preventing complications during winter weather. A full tank can prevent condensation and avoid freezing fuel lines, ensuring your car starts and runs smoothly. Always having fuel in your tank can help you be ready for unexpected delays caused by wintry weather.

Keeping your tank full or nearly full ensures your vehicle remains operational in harsh conditions. This simple step can prevent frustrating and potentially dangerous situations, making it a crucial part of your winter car preparation.

Plan Your Route and Drive Safely

A car driving cautiously on a snowy road, demonstrating safe winter driving practices and vehicle readiness for icy conditions.

Planning your route and driving safely are paramount during winter. Here are some important tips:

  • Check weather and traffic reports before heading out to ensure a smooth journey.
  • On long trips, plan enough time to stop and rest.
  • Especially stop and rest if you encounter poor visibility or slippery roads.

To drive safely in winter conditions:

  • Inform others of your travel plans.
  • Adjust your speed based on road and weather conditions.
  • Avoid using cruise control during extreme winter weather to maintain better control of the vehicle.
  • Understand the challenges of driving in winter weather, such as reduced visibility and black ice, to help you drive more safely.

Keep your mobile phone charged and have a charging cable handy in case of emergencies. By planning your route and driving cautiously, you can minimize risks and ensure a safer journey for yourself and other drivers on the road.

Clean and Protect Your Car

A car being cleaned and protected from winter elements, showcasing tools and products for maintenance in winter weather.

Cleaning and protecting your car during winter is essential to prevent rust and corrosion. Focus on the undercarriage and wheel wells when washing your car to remove harmful road salt. Using anti-corrosion soap additives can enhance protection against rust.

Waxing your car after cleaning provides a protective layer that repels winter elements. Avoid using hot water when washing your car to prevent glass damage and wax melting. Using compressed air can help dry your vehicle post-wash, ensuring no water remains in seals.

Regular maintenance and cleaning can keep your car in good shape throughout the winter, ensuring it remains safe and reliable. Protecting your car from winter elements can prevent long-term damage and maintain its value.

Review Your Insurance Coverage

As winter approaches, it’s a good time to review your insurance coverage. Consider the following:

  • Some insurers offer discounts for winter tires.
  • Telematics programs may reward safe winter driving.
  • Review roadside assistance coverage.

Bundling your home and auto insurance can result in significant savings and ensure you have comprehensive coverage for all your needs. Take advantage of these options to protect yourself and your vehicle this winter.

Summary

Preparing your car for winter involves several important steps, from changing to winter tires and checking your battery health to topping up essential fluids and assembling a winter emergency kit. Each of these measures can significantly enhance your safety and peace of mind during winter driving.

By following this comprehensive guide, you can ensure that your vehicle is ready to face the challenges of winter. Stay safe, drive carefully, and enjoy the beauty of the winter season with confidence.

Frequently Asked Questions

Why are winter tires better than all-season tires for winter driving?

Winter tires are superior to all-season tires for driving in cold weather, because they are specifically engineered with specialized rubber compounds and tread patterns that enhance grip on snowy and icy surfaces, ensuring greater safety.

How often should I check my car battery during winter?

You should check your car battery before winter and then regularly during the season, particularly if you observe any signs of weakness like slow engine cranking or dim headlights. Regular checks can help prevent unexpected failures.

What should I include in a winter car emergency kit?

For a comprehensive winter survival kit, include a compact shovel, snow brush, ice scraper, windshield wiper fluid, jumper cables, tow rope, a warm blanket, winter clothing accessories, non-perishable snacks, and a wind-up flashlight. These essentials will help ensure your safety and comfort during winter emergencies.

Why is it important to keep my gas tank at least half full in winter?

It’s crucial to keep your gas tank at least half full in winter to prevent condensation and freezing fuel lines, ensuring reliable vehicle performance in cold weather. This simple step can save you from potential starting issues during harsh conditions.

How can I protect my car from rust and corrosion during winter?

To protect your car from rust and corrosion during winter, regularly clean it, particularly the undercarriage and wheel wells, and use anti-corrosion soap additives. Additionally, applying wax can provide an extra layer of protection against harsh elements.

Ghost Brokers in Alberta

ghost broker alberta

Ghost Brokers Alberta

Consumers in Alberta are being cautioned about unlicensed insurance agents, also known as “ghost brokers,” while purchasing car insurance. 

According to Chris Merriman, Alberta’s superintendent of insurance, there has been a rise in reports of ghost brokers falsely claiming to offer car insurance.

Two types of schemes

The notice warned about “ghost brokers,” who are unlicensed agents that fraudulently claim to assist car owners in finding cheaper auto insurance, often through social media or phone calls.

The ghost broker agents engage in deception by either posing as customers and providing false information to insurance companies or by distributing counterfeit policies and pink cards. 

Ghost brokers often prey on newcomers to Canada and individuals unfamiliar with the province’s car insurance system, as stated in the notice.

According to Merriman, victims often discover their lack of legitimate insurance only after experiencing a loss, which can leave them without coverage and in a vulnerable position.

Ghost Broker Investigations

They owned their cars for years. Police are now indicating the vehicles are stolen property.

In Alberta, the superintendent regulates the insurance business industry and isn’t the only individual sounding the fraudulent agents bells.

Aviva Canada issued a news release on Sept. 11, warning Canadians about a ghost broker called AllcoveredbyAviva or Allcoveredbrokers in Alberta.

In the release, Jamie Lee, the company’s head of financial crime and fraud, stated that Canadians were deceived into transferring money for insurance premiums and were falsely led to believe they had purchased auto insurance coverage with Aviva. She stated, “Individuals have been given fake pink slips.”

According to the news release, the ghost broker promoted themselves on social media platforms and falsely claimed to be associated with Aviva. 

Alberta Insurance Council

Karim Mouait, president of Cornerstone Insurance Brokers and president-elect of the Alberta insurance brokers association, felt a chill creep up his spine as he listened to the whispered accounts of people falling victim to auto insurance counterfeit pink cards.

According to him, inflation has placed significant financial strain on households, prompting people to seek ways to save money on car insurance.

He stated, “This is an ideal excuse for fraudsters to exploit individuals in the auto insurance industry”

Andy Dykstra, associate VP of enterprise fraud at Co-operators, emphasized the recent rise of the auto insurance problem, which is not exclusive to Alberta. 

“Keeping track of their actions is challenging, as a ghost broker excels in innovation and constantly seeks vulnerabilities,” he stated. 

According to him, insurance companies can detect and prevent it, but they are not foolproof.

Consumers should be aware of these ghost broker red flags.

Superintendent of Insurance

According to the superintendent of insurance notice, consumers can safeguard themselves against a ghost broker by researching licensed agents and insurance companies next time they seek automobile insurance.

According to Mouait and Dykstra, consumers should be wary of upfront fees, cash payment requests, extremely low rates, and cheaper insurance incentives. 

According to Dykstra, if the automobile insurance deal appears too good to be true, it’s a cause for concern.

Collision Reporting in Alberta

Collision reporting in Alberta: We take many safety precautions in our daily commutes, from using seatbelts to ensuring a safe distance between vehicles. We also maintain our vehicles to prevent breakdowns, but never the less, the unexpected can always happen.

If you find yourself involved in a collision, then follow these steps to reporting the collision in Alberta:

  • If there is a fatality or serious injury, immediately call 911 for medical attention. Keep those injured warm and do not move them unless they are in the way of danger. 
  • If there is suspected criminal activity such as drunk driving do not leave the scene and call 911

Exchange information with other drivers:

  • Make note of the streets or locations where the collision occurred
  • Document the license plate number of the other vehicle along with the make and model of the car
  • Document the other driver’s personal information, such as name, address and driver’s license number
  • It’s also a good idea to sketch a map of where the scene occurred

It’s recommended to minimize conversations with other drivers and instead discuss the accident details with the insurance company and police. 

Take pictures that include the vehicle damage, the surrounding areas and photos of the total accident scene, including driver’s licenses, insurance documents and license plate numbers.

Report the accident (even minor ones) to the police even if they aren’t on the scene.

Depending on the damage to your vehicle, you may require a tow to the nearest Collision Reporting Centre. If your vehicle isn’t operational or you are unsure of the total cost of the damage, have your vehicle towed by a towing company of your choice. Find one of the reporting centres phone numbers listed below.

Collision Reporting Centre Locations in Edmonton

Edmonton NorthEdmonton South
1570 116 Ave NWEdmonton, AB T5M 3S5780-452-1531
Monday to Saturday: 8:00am – 8:00pmSunday: 10:00am – 6:00pmClosed Statutory Holidays
5805 87A St NWEdmonton, AB T6E 5Z1587-758-9427
Monday to Saturday: 8:00am – 8:00pmSunday: 10:00am – 6:00pmClosed Statutory Holidays

It is important to note that they have adjusted the threshold for the requirement to report from $2000 to $5000.

Should the damage exceed $5000 or more, you are required to report it.

Once you report the information, your insurance company will receive the forwarded information. 

Aviva Claims: 1-866-692-8482

Intact Claims: 1-866-464-2424

Pembridge Claims: 1-800-661-1577

You will need to contact your insurer and they will advise you on the important next steps you will need to take. You may be able to upload photos and submit your claim online.

Never leave the scene of the accident. If the other driver leaves, attempt to record their license plate number so the police can locate them by taking a photo or video. 

Please note, you MUST report the incident in the jurisdiction where the collision took place. 

If the road conditions or weather conditions aren’t favourable, and your vehicle doesn’t require a tow, you can report the collision as soon as possible. 

If you have additional questions, please do not hesitate to contact us for further information!

Phone: (587) 520-7080

The Good & The Bad of Summer Weather in Alberta

Summer in Alberta is nothing short of amazing. We get to reconnect with the great outdoors, enjoy BBQ’s, festivities and each other. Summer can also bring amazing weather in the form of heat waves, hail storms, floods, forest fires and tornado’s.

Weather has changed dramatically through the years and it’s severity has increased due to climate change. Here are some great ideas to protect yourself and your property from the negative effects of Severe Weather.

Prepare:

  1. Create an emergency preparedness plan for your household and ensure you have an
    emergency kit. Items to include in the kit include water, canned food, flashlight and
    batteries, first aid, and cash. For more details, visit the Insurance Bureau of Canada.
    Ensure the items in your kit are not expired and in working order yearly.
  2. Make sure that barbecues and other outdoor furniture and appliances are either secure
    and covered or stored indoors.
  3. If possible, park your vehicle in a covered area such as a garage or a carport.
  4. Stay away from all windows, doors, and skylights during a storm.
  5. If you’re out during a storm, keep an eye out for flooded areas and don’t drive through
    them – find a safe place to pull over off to the side of the road.

Prevention:

  1. Investing in hail-resistant materials to replace their roof or siding. These materials, such as Class 4 Rated Hail Resistant Asphalt Shingles for their roof or Cement Fiber Board for their siding perform better in a storm.
  2. Check you sump pump regularly to make sure that it is working.
  3. Make sure all downspouts are clear of debris and pointed away from your home.
  4. Unless ordered to evacuate. Stay Home and find safe areas in your home, when local emergency alerts have been activated for extreme weather.
  5. Follow all fire safety bans in your area.

Alberta’s New Direct Compensation Property Damage (DCPD)

Why is Alberta moving to DCPD?

DCPD is a fairer and more efficient approach to insurance claims and vehicle repairs, and is already used in most provinces in Canada. Under DCPD, damages to your vehicle will be repaired faster and without the delays and complications that can arise when dealing with another driver’s insurer.

DCPD reduces costs associated with subrogation – the process insurers use to determine who pays for a claim following a collision. Along with other reforms, it will help stabilize premiums for the long term.

Consumers who have questions about DCPD and what it means for them should contact their insurance representative or IBC’s Consumer Information Line at 1-844-2ask-IBC or email AskIBCWest@ibc.ca

Direct Compensation For Property Damage (DCPD) Insurance (ibc.ca)

Distracted Driving Hurts your Insurance

Distracted driving can attribute to up to a 25% or more increase in your insurance.

  • Distracted driving convictions are considered by majority of Insurance Companies as a Major Violation.
  • Insurance companies may NOT offer you Physical Damage coverage if you have a distracted driving Conviction.
  • Average cost for distracted driving tickets in Alberta is approximately $300.00 and 3 demerit points.
  • As per the City of Edmonton Police site.  While driving (including drive thru’s) It is illegal to: use a hand-held phone while talking, texting or emailing.  Operate electronic devices like video players or laptops.  Manually program GPS units or portable audio players.

For more information on what is considered Distracted driving offences visit: https://www.edmontonpolice.ca/TrafficVehicles/TrafficSafety/DistractedDriving

Insurance 2021 News

How Insuramix is dealing with Covid 19:

Photo by cottonbro on Pexels.com

The WHO (World Health Organization) has assessed COVID-19 as a Pandemic.  We are committed to providing Insurance services during our regular business hours by Phone or Email.

Monday to Friday 9:00 AM to 5:00 PM.

We are currently seeing clients in person by appointment only.

Masking is required.  If you cannot adhere to our masking policy, we would be happy to assist you by phone or email.

PHONE: 587-520-7080 or EMAIL: info@insuramix.ca

Prevention of this pandemic is best managed if we limit the in person contact with social distancing. Your business is very important to us, so please do call us or email us with any of your Insurance needs or inquiries.

Changes to Alberta Disaster Recovery Program 2021

Albertans living in high-risk areas may experience a natural disaster of one kind or another. The Government of Alberta continues to provide DRP assistance to all qualifying applicants; however, homeowners living in high-risk areas are encouraged to consider relocating or mitigating risks to their properties. Flood maps are available at https://floods.alberta.ca/.

Purchasing insurance It is important for Albertans to become educated about their disaster risks and ensure they are adequately insured. There are more insurance options on the market now than ever before.

  For more information Online: http://alberta.ca/drp

Overland Water Coverage

Overland Water Protection is designed to protect against damage caused when ground water enters a property from the sudden accumulation of water such as damage caused by fresh water flood such as the overflow of a rivers or lakes, and the sudden accumulation of water due to heavy rainfall or spring run off.

Calgary Floods in 2013 have changed how Insurance Carriers respond to Sewer Back up losses.  The introduction of Overland Water Coverage bridges the gaps of Water related losses when purchased with Sewer Back up Coverage.

Overland Water Protection is NEW SINCE 2017 coverage.   Unfortunately not all properties are eligible.  Mobile Homes and select Seasonal Properties unfortunately do not qualify at this time.  Certain locations in Alberta do not qualify if they are;

1.  Considered extremely high risk for flood

2.  Have reverse driveways

3.  Dwellings within 100 meters of a river or other flowing body of water do not qualify.

Cost of Coverage determines on the limits, deductibles and locations of the property.  Overland Water Coverage can be tailored to fit your budget by selecting higher deductibles or limiting amount of coverage payable.

Legislation Changes to Condo Corporations – Jan 2020

Regulations came into effect on January 1, 2020.  https://open.alberta.ca/dataset/d1cfec95-c9ec-4b0f-bba9-8be0a513931b/resource/4dd63982-4d5a-4c58-a7f5-7330a5db9c0e/download/sa-recovery-insurance-deductible-2020-03.pdf

Additional coverage is now available to you to protect you against the Condo Corporations “Charge Back”!

Most Condo policies cover you under their Policy wordings for $25,000 worth of coverage.  However, with the new legislation this may not be sufficient. 

Should you wish to increase your limits most Insurance Providers are offering higher limits at additional annual premiums and coverage available can vary with each insurance provider.

Most Condo Corporations have amended their wordings; therefore, we recommend that you review your Condo Corporations wordings.  Below is an example of the wordings that some Condo Corporations have used to advise their Condo Unit Owners.

Example: Effective January 1, 2020, Corporations will be able to “charge back” the deductible portion of a loss if the loss originates from a Unit. There is no requirement to prove negligence on behalf of the Unit Owner/Occupant to do so. The maximum amount of the charge back is the limit of the Corporation’s deductible or $50,000 – whichever is the least.