In the case of an accident, the driver may be found liable if the car is not properly equipped for the winter. The insurance company may not cover the full cost of the damage or may even take action against the insured person for negligence.
It is worth changing your tyres before the first snow falls; it is recommended to fit vehicles with snow tires from October until Easter time. If you haven’t changed your tyres yet, then make your way now to the nearest garage!