Rear-End Collisions Top Winter Crash List as Ice and Snow Drive Spike in Auto Claims

Rear-end collisions dominate the list of auto accident types during the winter months, with icy roads and reduced visibility significantly contributing to increased crash rates. According to recent claims data covering two full winters, the most frequent types of collisions include rear-end accidents, improper lane changes, and single-vehicle crashes, with January, December, and February marking the peak periods.

For U.S.-based insurance claims adjusters, this data affirms well-known seasonal trends and reinforces the need for heightened readiness during winter. Adjusters should anticipate a rise in rear-end claims, particularly in urban areas and during early winter storms when drivers may be underprepared. The findings are a useful prompt for adjusters to review common liability scenarios, documentation needs, and potential disputes, especially when determining fault in multi-vehicle pileups or lane-change incidents.

The report also presents a strategic opportunity for insurers to engage in policyholder education, focusing on winter tire use, the importance of maintaining safe following distances, and general vehicle preparedness. Proactive messaging can help reduce frequency and severity, potentially streamlining claims processes and lowering overall loss costs. Moreover, the data underscores the importance of aligning staffing and resources with seasonal demand patterns, especially in northern and mountainous U.S. states where winter weather hits hardest.