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Ways To Avoid Car Accidents

Author: John Smith  //  Category: auto insurance tips

Car accidents and vehicular homicides cause a skyrocketing number of deaths in the United States every day, and collisions are one of the leading causes of death for young people between their teens and thirties. With the amount of car accidents at such an astronomical level, you should be trying to avoid accidents through any means possible. In addition to avoiding accidents, make sure you have an adequate auto insurance policy so that if you are involved in an accident, you aren’t financially devastated. So, what are some of the most effective ways to prevent and avoid car accidents?

 

The most effective ways to prevent car accidents include:

 

  1. Getting your car regularly tuned. If your car is not working properly, how are you supposed to stop it from hitting poles, people, and other vehicles, or from careening down that steep hill? Having faulty car equipment, such as old brake pads, loose hubcaps, electrical malfunction, or airbag sensor breakage, is one of the leading causes of accidents. If you take your car in at least once a year to the mechanic, you can prevent both minor collisions and deadly accidents.

 

  1. Following the speed limit. Speeding is dangerous, and makes it harder for you to stop in time when something gets in your way. It also makes it more difficult for other drivers to judge your location. For example, if someone changes lanes in front of you, and doesn’t realize how fast you are going, they might cut too soon, and you might not be able to stop in time before rear ending them. Going with the flow of traffic is important, and even if you are running late, just remind yourself that it is not a race, and that you will be way more late if you hit someone or something. Likely hours more. It’s easy to slow down, and you will help avoid accidents.

 

  1. Turning your radio on and off, or changing the station when you have stopped fully. Often, if a song comes on we don’t like, it is easy to get distracted trying to find the right station to fit our mood or taste. This takes attention away from the road, and can lead to an accident. Wait until a stop sign or stop light, or make sure to bring your CD or iPod with you and start playing your favorite tunes before you start driving to ensure an ambient driving soundtrack suitable to your needs.

 

  1. Wait to answer that call or text. Although cell phones may not seem distracting when you are just answering a ringer, most people know that texting and driving is very distracting, and texting in the car is illegal in many states. Not only are you using your hands to type words on the keypad, but you are probably also looking to make sure you didn’t autocorrect the wrong word, spell something wrong, or send the text to a different person than you meant to. Texting while driving is extremely dangerous, and easy to avoid. Wait until you are at a stop light or parked in a lot to text back. Even though calls seem less dangerous, it is more safe to wait until stopped to answer them as well.

 

  1. Don’t drink and drive. Being intoxicated is a leading cause of accidents in the US, and is easily preventable. If you are having a few beers, calling a cab or staying with a friend to make sure that you are not driving with poor judgment is an easy way to stay out of an accident and out of jail.

 

Taking these 5 steps will help you decrease your chances of being in a collision. Even though accidents are prevalent, and nobody is able to ensure full prevention, you are able to make decisions about your own driving habits that will keep you more safe. Being vigilant about the causes of most accidents and modifying your behavior accordingly will help keep you safe in the car.

 

As with all things in life though, no matter how careful you are, accidents do happen. To mitigate the damage associated with accidents, make sure that you have an adequate car insurance policy in place. While vehicle replacement coverage is nice, the most important feature for your auto insurance policy is to have personal injury coverage levels that are adequate to cover you in the case of a serious injury.

 

Medical costs can quickly mount, and if you happen to be at fault in an accident involving multiple personal injuries (or are in a no-fault state where multiple passengers in your vehicle are injured), then the medical costs are multiplied. A policy that only meets the minimum auto insurance requirements for the State likely will not suffice, leaving you in a very precarious financial situation. Takes steps to mitigate these risks by purchasing sufficient auto insurance coverage. There are many affordable options out there, and many service providers (such as the team at www.secureinsurancequotes.com/) with tools to help you find the right policy. If you have to give on a feature, raise your deductible rather than lowering your liability limit.

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