Winter has definitely settled in to most parts of the United States, and people are feeling its effects from severe flooding in Northern California and Nevada to snow and ice across the Midwest as well as up and down the East Coast.

As insurance professionals are aware, winter also brings its own sets of hazards on the road, but these dangers vary by the part of the country you're driving in.

Of the approximately 5.7 million car crashed in the U.S. each year, 22 percent are caused by adverse weather conditions or sliding on slick pavement, according to Farmers' Insurance's “Seasonal Smarts Digest.”

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Rosalie Donlon

Rosalie Donlon is the editor in chief of ALM's insurance and tax publications, including NU Property & Casualty magazine and NU PropertyCasualty360.com. You can contact her at [email protected].