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Spring Ahead Prepared: Review Your Auto Support Before the Season Shifts

March 17, 2026

One cool April morning, you turn the key and your car hesitates. The engine sputters and refuses to turn over. Suddenly your spring plans are on pause before they even begin.

After months of cold starts, wet roads, and short winter trips, your vehicle may be struggling from wear you never noticed. It’s often not until spring travel picks up that those quiet winter issues make themselves known. This is a common occurrence. Winter driving rarely leaves obvious warning signs, but it often strains several vital vehicle systems.

Car batteries can lose about 35 percent of their power at freezing temperatures, making them harder to start after long nights of cold weather parking. Winter’s short trips and heavy electrical use (lights, heaters, defrost) add to that strain.[1] Tire pressure also drops in cold air, dropping 1–2 PSI for every 10-degree celsius decrease, which affects handling, fuel economy, and tread wear. [2] Meanwhile, fluids thicken and road salt accelerates corrosion, setting up problems that aren’t obvious until you push your car harder in spring.[3]

Even routine checks often get overlooked. A recent survey of motorists found that a sizable number don’t perform basic inspections before and after winter, including battery or tire checks, leaving them vulnerable to break-downs and unexpected repair bills.[4]

As you and other drivers dust off plans for spring holidays and busy weekend outings, these post-winter hiccups can quickly turn a long-awaited journey into a roadside hassle. That’s where your FIMC Home & Auto and Auto Plus benefits can make a meaningful difference.

Roadside Assistance — Immediate Help When Trouble Strikes

Whether it’s a flat tire, dead battery, running out of fuel, or getting locked out, roadside assistance brings fast support when you least expect to need it. Call for help and a provider from our extensive network will come out to get you moving again or tow you to safety. With more people on the roads in spring, this peace of mind matters even more.

Locksmith Services — When Keys Don’t Cooperate

A misplaced key or a locked door can derail any departure, and it can be especially bothersome when a winter chill still hovers in the air. Locksmith services under your plan help with those moments, and if your situation requires dealer programming for specialty keys, the invoice can be submitted for reimbursement consideration, up to $200. That’s added protection for those mundane but maddening springtime mishaps.[5]

Auto Deductible Reimbursement — A Safety Net for Repairs

Accidents and comprehensive damage aren’t seasonal, and many car owners find themselves facing out-of-pocket expenses after winter’s effects add up. With Auto Deductible Reimbursement, you can be reimbursed  up to $500 of your auto insurance deductible once your insurer settles the primary claim. This benefit means less financial disruption when unexpected repairs arise.

Auto Repair Rebates & Discounts — Stretch Your Repair Budget Further

Unexpected repair costs don’t have to sting as much. You’ll receive a rebate on qualifying auto repairs, up to $250 per repair and up to a $500 maximum over your annual membership period. While routine maintenance like oil changes isn’t covered by the rebate, pairing this benefit with service-discount savings multiplies your value. You also get up to 15 percent off routine maintenance and emergency repairs at thousands of locations nationwide.

Emergency Auto Medical Expense Reimbursement — Support After an Accident

If you or your passengers need emergency ambulance, paramedic, or outpatient medical services following an auto accident, this benefit helps with reimbursement for those unexpected medical costs. It’s one more layer of protection when stress levels are high and travel demands are increasing.

Winter weather may be behind us, but its effects can linger under the hood, in the tires, and in the battery. As travel ramps up and spring projects rev back to life, take a moment to review your auto support so you’re prepared for whatever the road brings.

With the right protections in place, you’ll spend less time worrying about breakdowns and more time enjoying the season’s first adventures.

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1. Sources: RecordOnline, SuperMoney, Insurance Information Institute, CNBC, Federal Reserve, Pew Research Center, Finder.com, Rock the Wall Street, Modern Healthcare, Policygenius, SuperMoney, Home Guide, Bank Rate, USA Today, The Balance, Schwab Modern Wealth Survey, Simulated Open Enrollment Research Study. Savings based on sample values. Does not assume usage of all benefits by all members. Full source information available at HomeAndAuto.com. 2. FIMC benefits and services are administered by, or provided through, Home Benefits, LLC., and The American Traveler Motor Club, LLC. (in Alabama, benefits and services are administered through ATMC-Alabama, Inc.), subsidiaries of FIMC Partners, LP. 3. *Coverages are subject to terms, conditions and exclusions. Some state exclusions apply. Emergency medical services must be received within 48 hrs of the home or auto related accident. Full benefit information and limitations available at HomeAndAuto.com. 4. Underwritten by: American Bankers Insurance Company of Florida. In TX, certain underwriters at Lloyds of London. 5. Underwritten by certain underwriters at Lloyds of London. 6. Underwritten by: American Bankers Insurance Company of Florida.