Good Drivers Have Accidents Too
Finding a driver who has never had a close call while behind the wheel is a rare thing, and the longer you’ve been driving, the more likely you’ve either experienced or witnessed numerous close calls over the years.
Of course, everyone makes mistakes, it’s just that mistakes made while driving often lead to crashes. Obviously, if you’re at fault for an accident – honest mistake or not – there are going to be financial repercussions. It takes six years before that “mistake” isn’t part of the equation when calculating your car insurance rates. And while accidents do happen, deciphering the when, why and where factors can help you limit your chances of being involved.
When accidents happen
While it seems logical to assume most accidents take place in bad weather like snow, fog and rain, that’s simply not the case. In fact, most accidents (just under 70%) happen when weather conditions are sunny and clear.
Some additional statistics that may surprise you include the fact that just over 70% of accidents happen when the driver is alone in their vehicle. One in four accidents happen between 3-6 pm, and nearly 20% of all accident happen on Fridays.
Why car accidents happen
The reality is that the vast majority of collisions are usually avoidable, with roughly 90% of all crashes being the result of human error. But human error doesn’t just include a momentary lapse of attention. Making bad driving decisions are an error too. Bad behaviours like talking on the phone while driving, not yielding the right of way, speeding or following too closely are all conscious decisions that can cause a crash.
Where they take place
Regardless of the lapse that leads to a crash, intersections are the most common place for an accident to take place. This doesn’t just mean where one road meets another, but driveways where a business entrance or exit intersects with the road. In fact, just under 50% of accidents takes place when drivers are making a turn at an intersection.
It’s also interesting to note that no matter where an accident takes place, 24% involve one driver hitting another from behind.
DPM is here to help
While your driving record and insurance history both have significant impact on the rates you pay, at least an at-fault accident won’t remain on your record forever. But whether or not you’re waiting for an at-fault accident to clear itself from your driving history, the Brokers and CSRs at DPM Insurance Group are prepared to help you find an insurance carrier suited best to your unique situation. We shop the rates for you, so you don’t have to. So if you would like to have your current policy reviewed for potential savings, or just want a quote, contact one of the six DPM insurance Group offices serving Windsor-Essex and Chatham-Kent. Click here to find the office nearest to you: https://dpmins.com/locations/
Source: Lesley Green for insurancehotline.com