Business Insurance Blog | CopperPoint Insurance Companies

Defensive Driving in the Valley: Rain and Fog

Written by CopperPoint Insurance Companies | Feb 2, 2026 1:36:34 PM

Driving in adverse weather conditions can pose significant risks on field roads, access roads and main highways. Rain and fog are two common weather phenomena that can drastically affect visibility and road conditions. This article aims to highlight the hazards associated with driving in rain and fog, as well as provide safety tips for drivers.

 

  • Reduced Visibility
    Rain can cause poor visibility, making it difficult for drivers to see other vehicles, traffic signals, and road signs. This is particularly true during heavy downpours.
  • Slippery Roads
    Wet roads can lead to loss of traction, increasing the chances of skidding or hydroplaning. This is especially dangerous during the first few minutes of rainfall when oil and debris mix with water.
  • Increased Stopping Distance
    Stopping distances can increase significantly in wet conditions. Drivers should allow for extra space between their vehicle and the one in front to accommodate longer braking times.
  • Flooding
    Heavy rain can lead to localized flooding on roads, which can be hazardous. Driving through flooded areas can result in vehicle damage or even being swept away by strong currents.

Hazards of Driving in Fog
  1. Severely Limited Visibility
    Fog can reduce visibility to less than a few feet, making it extremely difficult for drivers to navigate. Standard headlights can reflect off the fog, further reducing visibility.
  2. Misjudging Distances
    In fog, it’s easy to misjudge the distance to other vehicles, which can lead to sudden stops or collisions. Drivers should maintain a safe following distance.
  3. Increased Risk of Accidents
    The combination of limited visibility and misjudged distances can significantly increase the likelihood of accidents. Fog can create a false sense of security regarding speed and distance.
  4. Fog Banks
    Fog can appear suddenly and can be thick in certain areas, leading to surprise encounters with low visibility. Drivers should be prepared for sudden changes in visibility.
     
Safety Tips for Driving in Rain and Fog
  1. Regular Maintenance and Timely Repairs
    Prevention starts with keeping all cars, trucks, and trailers in good working condition. Have a system to keep track of items to correct and assign responsible persons to complete identified repairs.Reduce your speed in both rain and fog. Allow extra time to reach your destination to avoid the temptation to drive too fast. Adhere to posted speed limits, but also adjust your speed based on road conditions, traffic and weather conditions.
  2. Use Headlights Wisely
    Turn on your headlights in the rain and fog to increase visibility. Use only your low-beam headlights or fog lights, as high beams can reflect off the fog and worsen visibility. If you have fog lights, use them. Put on your defroster and windshield wipers to increase visibility. If fog is extremely thick, roll down windows to hear other vehicles around you. If you cannot see the road’s edge, pull off on the right side when safe and put on your emergency flashers. Resume driving only when visibility is restored.
  3. Avoid Sudden Movements
    Make gentle movements with the steering wheel, brakes, and accelerator. Sudden changes can lead to skidding or losing control.
  4. Avoid Distractions
    Stay focused and keep your attention on the road. Avoid phone use, eating, or other distractions while driving. If you must use your phone, opt for hands-free devices to minimize distractions.
  5. Maintain Distance
    Increase the following distance between your vehicle and others. This will give you more time to react if the vehicle in front of you stops suddenly. Rule of Thumb: Use the "three-second rule" to maintain a safe distance from the vehicle in front of you. Increase this distance in poor weather conditions or when driving at higher speeds.
  6. Stay Alert
    Be aware of your surroundings. Watch for pedestrians, cyclists, and other road users who may also be affected by the weather.
  7. Pull Over if Necessary
    If conditions become too hazardous, it's safer to pull over and wait for the weather to improve rather than risk driving in low visibility.
  8. Regular Maintenance and Timely Repairs
    Prevention starts with keeping all cars, trucks, and trailers in good working condition. Have a system to keep track of items to correct and assign responsible persons to complete identified repairs.

Conclusion

Driving in rain and fog presents unique challenges that require heightened caution and awareness. By understanding the hazards associated with these weather conditions and following safety tips, drivers can significantly reduce their risk of accidents and ensure a safer journey. Always prioritize safety and don’t hesitate to adjust your driving habits according to the weather conditions.

We are here to answer your questions or concerns. Please contact your Loss Control Consultant or losscontrol@copperpoint.com.

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This information is provided as a general overview. Actual coverage and services may vary and is subject to policy language as issued. Coverage is underwritten by CopperPoint Insurance Company, or one of its wholly-owned insurance companies, and is limited to the states where licensed. California policies are underwritten by Pacific Compensation Insurance Company and Alaska National Insurance Company.