By Samuel McDonald, Aroy Tanzania Insurance Agency · Published November 12, 2026
Get the vehicle ready
- Good winter or all-weather tires. Colorado's traction law applies on certain highways during storms.
- Check battery, wipers, washer fluid and antifreeze.
- Keep a winter kit: blanket, water, snacks, flashlight, shovel, traction aids, phone charger.
- Keep the tank at least half full on long drives.
Check your coverage
- Collision pays for sliding into a ditch or another car on ice.
- Comprehensive pays for animal hits, falling rocks and cracked windshields from sanded roads.
- Roadside assistance covers towing and winch-outs. Remote tows can be expensive.
- Rental reimbursement keeps you moving while your vehicle is repaired.
- Uninsured motorist protects you if the other driver has no insurance.
Wildlife on the road
Deer and elk are most active around dawn and dusk, and migration routes cross several local highways in winter. Slow down in marked crossing areas, watch the shoulders and never swerve hard to avoid an animal. Swerving can turn a comprehensive claim into a rollover.
If you slide off or crash
- Stay in the vehicle if it's safe and you're off the roadway. Turn on hazards.
- Call 911 if anyone's hurt or you're blocking traffic.
- Take photos once it's safe.
- Exchange information with any other drivers.
- Report the claim, or call us for help.
Quick questions
Are snow tires required in Colorado?
Colorado's traction and chain laws can apply on certain highways during storms. Check the Colorado Department of Transportation for current rules.
Does sliding on ice count as at-fault?
It often does, since drivers are expected to drive for conditions. Every claim is evaluated individually.
This guide is general information, not a description of any specific policy. Your coverage depends on your actual policy wording. Questions? Call (858) 349-9729.