Car insurance accident causes
If you want to avoid car insurance accidents and keep your high performance car insurance premium low, then the most rational thing you can do to maintain the status quo of your car insurance premium is to keep your eye on the road. It sounds like very basic advice, but too many people put it off with the simple excuse of, “but if I just…for one second…there’s nobody close…” and then the next second, they are in a car insurance accident. Have to go through the claim process, they might get injured, and also, their rates will go up and they will stay up for the next five years or so unless the person works very hard against it.
The vast majority of drivers admit to multi tasking while they are driving, a big round number of eighty one percent. I witness this all the time, and frankly, it terrifies me. But then, I’m a very terrified driver. This helps me, because I’ve never gotten into a car insurance accident. But I see people who will talk on the phone, read and write while they drive, with their hands of the wheel, glancing at the road every few seconds like it’s the second priority. These people, and we’re all a part of them, are a huge problem.
Eighty percent of car insurance accidents were caused by somebody not paying attention to somebody in some way. The people who do this are mostly young, with thirty five percent of the admitted multi taskers falling under the age of twenty seven. Regardless of that, though, everybody does it, even if it is only something small such as eating a McMuffin or changing the radio station. All of these can work as distractions, especially taking a cell phone call, and thus can contribute to being in a car insurance accident.
So what types of distraction are the most common, and which ones are more likely to get you into some big trouble?
- Cell phones.
Cell phones cause more distractions than anything else, and they have also caused many accidents. Many states, including my own, have taken steps towards banning the use of cellular phones which are handheld while driving. However, studies show that eve headsets contribute to car insurance accidents, and there is actually no statistical difference between the two.
- Drowsiness.
This is second in line after cell phone use. One of the main causes of distraction while driving is a lack of sleep. This is why it is important to be fully awake before you get in your car to go to work. If you have to drink coffee, then drink coffee. If you have to go jogging for ten minutes, then do that, but under no circumstances should you drive while sleepy.
- Reaching.
I know that even changing the station on the radio can be a distraction, because unless you know where everything is without looking, you have to look away from the road to see the dial. However, the biggest problem that causes the most accidents, even if it is not the most common form of distraction, is when you drop something and reach to pick it up, such as a drink or cell phone.
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