Driving in Icy Conditions
A dealership’s parts delivery driver was driving too fast for icy road conditions and rear-ended a vehicle on the interstate. The impact caused the rear-ended vehicle to lose control, strike another vehicle, and crash into the median. The collision resulted in property damage, multiple injuries, and one fatality.
CLAIM AMOUNT: $5 million
Risk Management Advice to Consider:
- Enforce Mandatory Winter Driving Training: Train drivers on safe driving techniques for icy roads such as gentle acceleration, increased following distance, and skid recovery. Discuss and enforce company policies on speeding and cell phone use regularly with driving staff.
- Adjust Routes for Safety: Plan routes that avoid high-risk areas, such as interstates, steep grades, and areas prone to ice accumulation during ice or snow events. Train drivers to recognize and avoid unsafe driving conditions.
- Equip and Inspect Vehicles for Winter Driving: Ensure vehicles have proper tire tread depth and well-maintained brakes. Inspect windshield wipers, defrosters, and lights to ensure they are in working order before departure.
- React and Adjust to Changing Weather: Managers and drivers should monitor local weather conditions and forecasts during inclement weather. Provide drivers with additional time to complete trips. Depending on the length and severity of the weather event, consider postponing deliveries until conditions improve.
This article is for general information and recommendations for risk prevention only and should not be considered an offer of insurance or legal or other expert advice. The recommendations herein may help reduce, but are not guaranteed to eliminate, any or all risk of loss. Coverage will be determined by the facts of the claim and the terms of your policy, if approved for issue. The information herein may be subject to, and is not a substitute for, any laws or regulations that may apply. All products and services not available in all states. Qualified counsel should be sought with questions specific to your circumstances and applicable laws. © 2026 Federated Mutual Insurance Company.
