Severe weather is driving up collision claims. Learn why winter claims spike by 49%, how hail and floods contribute to billions in losses and what you can do to protect your car.
The Impact of Extreme Weather on Auto Insurance Claims in Ontario
Extreme weather is no longer a rare occurrence—it’s a growing reality for Ontarians. Collision-related claims typically increase 49% during the winter months. Meanwhile, hailstorms, floods and ice storms cause billions in damage. This article examines how severe weather affects auto insurance claims and what you can do to mitigate risk.
Winter collisions and claim spikes
Data from Aviva Canada shows that auto claims increase 49% between December and February, with slippery roads, whiteouts and poor visibility to blame. Ontario and Quebec see claim frequencies rise by 44%. The first snowfall often leads to the sharpest surge as drivers reacquaint themselves with winter conditions. Following distances shorten and speed remains too high for the conditions, increasing rear-end collisions.
Hail, floods and wind
Summer isn’t risk-free. Thunderstorms bring hail that can dent metal and shatter glass. Torrential rains turn streets into rivers, causing vehicles to float and suffer water damage. High winds topple trees and utility poles onto parked vehicles. These events contributed to the $8.6 billion in insured losses recorded in 2024. Comprehensive coverage pays for weather damage, but each claim may increase your premium.
Minimising your risk
- Install winter tyres: Better traction reduces the chance of collisions and may qualify you for discounts.
- Check your coverage: Ensure you have comprehensive insurance that protects against weather damage.
- Park wisely: Use covered parking to avoid hail and wind damage. Avoid parking near trees in storms.
- Drive cautiously: Slow down in rain and snow, and increase following distances. Clear all snow and ice from your vehicle before driving.
- Prepare for floods: Do not drive through standing water; depth can be deceiving. If water is rising, move your vehicle to higher ground.
Filing a claim
Document damage with photos and video. Contact your insurer as soon as possible. Provide details about the event and an estimate from a trusted repair shop. Avoid multiple small claims; combine minor repairs if possible to reduce the impact on your premiums.
Conclusion
Climate change is amplifying weather extremes, and auto insurers are feeling the impact. By understanding how these events affect claims and taking preventive measures, you can protect your vehicle and your wallet. Need help fixing weather damage? Join the Karmeka to connect with professionals experienced in hail repair, flood recovery and winter accident repairs.