affordable car insurance

Understanding and Preventing Single Car Accidents to Keep Affordable Car Insurance

One of the things that most people fear when driving is being involved in an accident with another driver. However, single car accidents are just as frightening and serious. Unfortunately, since you are the only person involved, you are at fault no matter what happened, at least as far as your insurance provider is concerned. To avoid being at fault in a single car accident and losing your affordable car insurance, learn the causes and how to prevent them.

Adverse Road Conditions

The number one reason most people get in a single car accident is because of wet pavement or ice or snow. Black ice is an occurrence where you hit an icy patch that you didn’t see. You can end up going off the side of the road or hitting a guard rail or tree.

Not all of these accidents result in a ticket for a traffic violation. While the police may not see that the accident was caused by negligence, as far as the insurance company cares, you were at fault and your insurance premiums will reflect them.

To avoid accidents in this scenario:

Don’t go out in bad weather

Slow down

Allow more space between you and other vehicles.

Being Distracted

Any distraction can result in an accident. For many, it is listening to a radio while switching stations or talking or texting on a cell phone. For others, it may be trying to eat or drink while driving or doing other things instead of focusing on the road.

With more gadgets inside the vehicle and portable devices you can take with you, the chances of being distracted have increased in recent years. No matter the reasoning, you will be considered at fault if you are in an accident and file a claim.

How to avoid an accident:

Turn off your phone or use Bluetooth for hands-free use

Limit multi-tasking

Slow down when your focus is elsewhere.

Glare from the Sun

Driving into the sun can make it difficult to see where you are going or what obstacles might be ahead. The worst times are early in the morning or near twilight. Unfortunately, you are still responsible for what happens with your car even if it is difficult to see.

How to avoid an accident because of glare:

Wear sunglasses

Use your visor

Find a different route not directly facing the sun

Change your time of traveling if possible.

Trying to Avoid an Animal in the Road

Many animals become a danger to drivers because they venture onto the highway and don’t get out of the way of traffic. They may be blinded by headlights or become too frightened to move. These animals can be a hazard to drivers because they can cause an accident when you try to avoid them or cause damage if you don’t.

While many people think of deer, other animals are also commonly hit by drivers. They include cats, dogs, squirrels, raccoons and even coyotes.

How to avoid an accident:

Slow down in wooded areas

Be alert.

Be prepared for any of these situations that can cause an accident to ensure that you continue to have affordable car insurance.

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