Considering the winter weather that has arrived in the GVRD (Greater Vancouver Regional District), I thought it timely to remind drivers about the use of "Snow tires" and insurance. Naturally, winter tires are the best option for driving in snow and icy conditions.
Many of us LOVE living in the Fraser Valley because of the mild climate and don't own winter tires. Does that have an impact on our insurance? Yes, well... it may. Confused? You're not alone. ICBC recently posted the following:
...In snowy conditions, driving without proper winter tires may not be the wisest or safest decision, but it does not affect a customer's insurance coverage or eligibility to make a claim.
Does that clear up the confusion? Basically, the decision is left to the adjuster. The safest option is obviously to avoid driving. Your insurance is still valid (Though it may be limited) if you choose to brave the elements behind the wheel.Drivers are always responsible for ensuring their vehicles are properly equipped for road conditions, just like making sure your wipers and headlamps are working well on dark and rainy nights. Driving without winter tires will not void your insurance in the event of a claim or mean that you are automatically at-fault for a crash. However, if you get in a crash where winter tires could have helped it may be a deciding factor in determining whether or how much you are at-fault...
www.icbc.com/news/2011nov10-02
Should you buy winter tires for one or two storms each year? Most people will not. My suggestion is to really consider it if you have the space to store them. If not, consider not driving in the poor conditions. Notice I did not suggest staying home.
There are many transit options available and cities often have programs to deliver necessities as well like Snow Angels. Snow Angels is a volunteer organization in Richmond, BC. Their services may include pick up and delivery of groceries, medications or removing snow from walkways and driveways.
When weather's wintery, be wise and walk or wait when reasonable!
