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Get Insurance Ready for Winter. Old Man Winter has officially arrived in the Rockies but many of us are a bit rusty on how to handle winter weather conditions so brushing up on insurance and safety tips can help us better survive and recover from a winter storm. What drivers need to know Be aware of how insurance covers you in an accident with another vehicle verses tree limbs falling on a car due to heavy snow or for that matter if you slide into a tree. Do you know what to do if youre involved in a car crash and law enforcement is on accident alert.