As summer fades and the crisp air returns to Burlington, it’s a good time to pause and rethink your auto insurance. The change in seasons brings new driving hazards — from early dusk to deer crossings — and you’ll want to be sure your coverage is up to the task. At W. Gochis Insurance, we’re here to help you prepare with confidence.
The Changing Roads of Autumn
Morning Fog & Low Light
In Massachusetts, autumn mornings often arrive wrapped in mist. Visibility can drop suddenly, and those early commutes or school runs become more hazardous. As daylight hours shrink, many drivers find themselves navigating in dusk or darkness. That’s when fully functional headlights, taillights, and turn signals matter—even more than usual.
Deer on the Move
With cooler nights and shifting daylight, deer become more active. In Burlington and the surrounding countryside, collisions with deer increase—especially at dawn and dusk. Even a glancing impact can do damage.
Slippery Leaves, Cooling Temperatures
Wet leaves, damp roads, or sudden frost can reduce traction. Tire pressure drops in cooler air, so what felt steady in summer may feel unstable now. Your vehicle’s responsiveness can slip just when you need it most.
What to Check Now
| Area | What to Inspect | Why It Helps |
| Lights & Electrical | Test headlights, brake lights, turn signals, fog lamps | More hours in low light — you need to both see and be seen |
| Tires & Pressure | Check tread, inflation, and overall condition | Better grip in wet or leaf-covered areas helps avoid slippage |
| Wipers & Washer Fluid | Replace streaky blades; top off fluid | Rain, road spray, and early frost demand clear vision |
| Windshield & Glass | Look for small chips or cracks and repair them | A crack can worsen quickly in cold weather |
| Brakes & Suspension | Test responsiveness, listen for noises | Responsiveness matters when road grip decreases |
Insurance Coverage You Should Revisit
- Comprehensive Coverage
This is your safeguard against damage from animals (like deer), fallen branches, hail, and more. If your policy doesn’t include it, now’s the time to ask us. - Collision Coverage
Covers damage from accidents with other vehicles or objects. When visibility is poor, your odds of minor collisions rise. - Deductibles & Limits
Review how much you’d pay out of pocket. Sometimes adjusting your deductible or limits can give you better protection without huge cost changes. - Claim History Awareness
Fewer claims generally keep your rates steady. Proactive maintenance now can pay off later.
What to Do If You Hit a Deer
- Stay calm and pull safely off the road.
- Turn on your hazard lights.
- Don’t try to approach an injured animal.
- Photograph the scene and the damage.
- Report the incident—contact local authorities if required.
- Call W. Gochis Insurance and start your claim. We’ll help guide you through using your comprehensive coverage.
Why Burlington Drivers Trust W. Gochis
- We understand local road conditions, seasonal hazards, and the challenges of driving around Middlesex County.
- We don’t just sell insurance — we help you build a plan tailored to your lifestyle, needs, and budget.
- When something goes wrong, you won’t navigate it alone. From claims to repairs, we’re here with you every step.