What stops this insurer from measuring effectiveness of winter tires?

More than half a million Manitoba motorists are taking advantage of a winter tire financing program, but the jury is still out on whether the program has reduced accident frequency or severity.

There are about 580,000 registered passenger vehicles in Manitoba, said Brian Smiley, a spokesperson for Manitoba Public Insurance. MPI has processed about 130,000 loans for winter tires under an incentive program, Smiley told Canadian Underwriter.

Now in its fifth year, the incentive program allows motorists to get low-interest loans (prime plus 2%) of up to $2,000 towards buying winter tires as well as towards some of the associated costs.

But MPI is not at the point yet when it can keep statistics on how effective winter tires are in reducing accident frequency or severity. “Studies suggest that until there’s an 80% or higher usage rate, accurate analysis is not possible,” said Smiley.

Different provinces take different approaches to winter tires. For example, winter tires are mandatory from Dec. 15 through March 15 in Quebec, while Ontario insurance regulations have required carriers to give discounts for winter tires since 2016. The exact discount and criteria vary among insurers in Ontario.

So can one conclude that if everyone had winter tires, claims costs would be a certain amount lower than if no one had winter tires?

“Such projections are difficult to calculate,” said Smiley. “While winter tires have their safety merits, the onus of road safety ultimately rests with the driver of the vehicle. For example, an impaired/texting driver can still get into a crash despite the fact that the vehicle is equipped with winter tires.”

In Manitoba, motorists can get low-interest loans if they are private passenger (not commercial) customers of MPI and are buying the tires for vehicles with gross weight of under 4,541 kg. They also must have no financing restrictions or outstanding payments on their MPI accounts.

The tires must have the Transport Canada snowflake symbol, so mud and snow (all-season) tires do not qualify. Transport Canada says tires marked “M + S” continue to provide safe all-weather performance but may not always be suitable for severe snow conditions.

MPI customers can  pay for their tires by making monthly, pre-authorized payments to MPI through their bank accounts.

Tire and Rubber Association of Canada has a series of videos that compare the difference between proper winter tires and summer tires.

The MPI program does not let clients borrow money to repair tires. It also does not provide loans to maintain and store tires, unless that is included as part of the initial cost. It also does not provide loans for the cost of switching tires,  unless included as part of the initial cost.

It does provide loans for the cost of several associated items – among them rims, addition of studs to tires (some limitations apply), mounting and balancing, wheel alignment, nitrogen fill, valve stems, shop supplies and applicable taxes and fees.

Source article: https://www.canadianunderwriter.ca/insurance/what-stops-this-insurer-from-measuring-effectiveness-of-winter-tires-1004170205/

Snow Removal is Everyone’s Responsibility – Mike Holmes

Canadian weather can seem a bit unpredictable. One minute it’s sunshine and warm weather. Next thing you know we’re hit with a snowstorm. Don’t let the occasional spring-like day fool you — we are still in the middle of winter. And when you consider that insurance claims for damages related to winter storms can run into the thousands, knowing how to deal with ice and snow around your house is just smart.

One of the first things I tell homeowners is to keep snow away from foundation walls. The moisture from snow melting can slowly seep in. Remember, concrete is porous. So when you shovel your driveway, walkways and sidewalks, shovel snow away from the perimeter of your home. And make sure fire hydrants, gas meters and dryer vents aren’t covered by snow.

Enough snow on the wrong roof could cause it to collapse. The funny thing is that you want your roof to have snow. If the snow doesn’t melt, your attic insulation is doing its job. But if there’s too much snow and ice the roof can collapse. Flat roofs are especially vulnerable. Some municipalities even ask homeowners to remove snow from flat rooftops, overhangs and gutters — especially if the area has been hit with a few snow and ice storms.

Some homeowner will use roof snow shovels to remove the snow. These shovels are designed reach the roof from the ground so you’re not climbing up on the roof and risking a fall. But shovelling your roof from the ground also has its risks: One, you could damage your shingles. And two, the snow could come down on top of you.

If you need to remove snow or an ice dam from your roof call a professional contractor who regularly deals with these kinds of problems.

Most people worry about injuries happening on their property — and they should. You’re responsible for taking the proper precautions, because if someone gets hurt as a result of your negligence, you’re in trouble. That includes injuries caused by falling icicles, slips and falls. These are so common that there’s even an insurance category called “slip and fall” cases.

And if you think you’re off the hook because you’re a renter — you’re not. In some Canadian jurisdictions there’s legislation that includes “duty of care.” What that means is that the occupier of a home — it doesn’t matter if they’re just renting — needs to make sure the property is safe for anyone who has to enter it, such as the mailman or utility service reps.

Snow and ice are slipping hazards — everyone knows this. But shovelling might not be enough. You also need to think ahead. If the temperature drops below freezing or you know a storm is headed your way, apply a de-icer on your driveway, walkway and sidewalk. Spread as much as your property’s size requires. After the storm, apply more, along with some sand to add traction.

The most common de-icer is sodium chloride — what many people call road or rock salt. It’s the most inexpensive. But there’s also calcium chloride, urea, potassium chloride and magnesium chloride. Calcium chloride and magnesium chloride melt ice faster than salt, but they cost more. And calcium chloride is corrosive; it destroys grass roots. Urea and potassium chloride can be found in fertilizer, so they’re safe for your lawn. The problem is that urea can be corrosive, and potassium chloride damages concrete. And that’s not good.

I’m not a big fan of salt, and there are a number of reasons. One, it destroys your grass. Have you ever seen brown patches of grass at the end of driveways and along the sides? That’s because melted snow with salt in it got into the soil. Two, it can make your pet sick. When I take my dog Charlie out for a walk, sometimes he gets salt on his paws. Then when he’s back inside he starts licking them. The next day he’s throwing up.

The third reason is that salt works best only when the ground temperature is above -9C (15F). We’ve certainly seen temperatures lower than -9C this past week. Plus, salt is sensitive to temperature changes. The colder the ground temperature, the less effective it is.

And fourth, salt eats away at brick mortar. I’ve seen brick homes where every year the salt eats away more at the mortar, the voids climbing up from the ground with every passing winter.

I’d rather use sand or gravel over salt because they’re safer natural alternatives. But no matter what de-icer you decide to go with, make sure you read the package and follow instructions.

If you think about the risks, taking care of ice and snow is a no-brainer. Save yourself the trouble and stop any potential injuries Old Man Winter might bring to your doorstep.

Source: https://nationalpost.com/life/homes/mike-holmes-removing-snow-ice-is-everyones-responsibility