Don’t Run Into Financial Woes Behind the Wheel

Don’t Run Into Financial Woes Behind the Wheel

tow-truck-for-emergency-car-move-100308204If you’ve ever been in a fender bender, then you already know how inconvenient and costly a minor collision on the road can be.

Fortunately, there are ways to lessen the chances of a fender bender and it all starts with safe driving habits.

Here are just a few ways to avoid the costs and dangers associated with a fender bender:

U.S. Car Crash Statistics

As populations and cities increase in size, roadways become more congested. As a result, more and more fender benders and traffic collisions take place each year.

According to a report by the National Highway Traffic Safety Administration, nearly 5.5 million traffic crashes have occurred each year for the past two years.

About 1.5 million traffic crashes result in injury and 3.8 million result in property damage.

In addition, the most car crashes in the country take place in California, Florida, New York, and Georgia.

Although many motorists walk away from fender benders, the costs involved with minor collisions are surprisingly high.

Cost of a Collision

A fender bender doesn’t sound like a major collision, but it can end up costing you a major amount of money.

According to another report by the NHTSA, average collision claims fall in the $3,500 range with comprehensive claims coming in at $1,600.

However, if a fender bender results in bodily injury, claims can rise well beyond $10,000. Most private insurers cover about 50% of these costs, but drivers are usually responsible for 30% or more of the costs involved.

As the article “Don’t let a fender bender break the bank” looks at, follow these driving tips:

• Use Your Blinker – Never assume other drivers know when you’re about to make a turn. Use your blinker at every turn. Likewise, make sure you use your blinker when merging or changing lanes as well. Also, don’t wait until the last minute to engage your blinker – use it at least 200 yards before your turn.

• Don’t Speed – The only thing worse than running behind is getting into a collision because you were speeding. Never speed – going over the speed limit increases your braking distance and reduces your reaction times, which is a recipe for a fender bender.

• Avoid Running Yellow Lights – Running a red light is an absolute no-no. However, the same goes with yellow lights in many cases. If a traffic light turns yellow and you have enough distance to stop, then stop. Running a last-minute yellow light at an intersection can cause a major collision.

• Never Text While Driving – Texting is one of the main causes of most fender benders. If you’re sitting in traffic and you get a text, ignore it – even if you think you have enough time to respond before traffic starts moving again.

By keeping the stats and pointers above in mind, you’ll avoid running into financial woes while behind the wheel.

Photo credit: Image courtesy of nitinut at FreeDigitalPhotos.net
About the Author: Adam Groff is a freelance writer and creator of content. He writes on a variety of topics including car insurance and safe driving habits.

2 thoughts on “Don’t Run Into Financial Woes Behind the Wheel

  1. Manjot Hallen

    Excellent driving tips posted by Adam. In Vancouver, BC many car accidents happen at busy intersections because people are running yellow and red lights. It is a fact that the roads in BC and specifically there is more traffic congestion in the bigger cities. We always recommend people to build in extra time to get to their destination.

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