How to Reduce Your Risk of Being in an Auto Accident

Auto Accident

There are some important things you can do to reduce your risk of being in an auto accident. While insurance can help ease the economic burdens that an injury, motor vehicle damage and/or property damage may bring, the best course is to avoid an auto accident in the first place.

Careful planning — whether a safer route, driving defensively or avoiding distracted driving — can help you prepare for what’s ahead and help keep you safer in various driving situations you may face.

Develop defensive driving habits

Defensive driving saves lives. While it may be hard to completely ignore someone who cut you off, or who is tailgating, the smart choice is to let it go.

Be a courteous driver — treat other drivers as you would like to be treated.  You should put safety above everything else.

Get your emotions in check before you get behind the wheel. Anger, frustration and worry can distract you.

Stay focused. Pay attention to road conditions, your speed and what is going on around you.  Never allow distractions to take your attention away from the road.

Texting and driving is a deadly combination, NEVER text and drive.

Avoid getting boxed in between other vehicles, as you always want to have an “escape route” if you need to make an emergency move.

Make sure to observe all traffic laws, signs and signals. Staying focused on the environment around your vehicle is key to defensive driving.

Keep your speed down and don’t tailgate. Driving too close to the car in front of you is one of the leading causes of collisions.

Do not depend on other drivers acting in a way you think they should. For example, do not assume another driver will let you pass, know who has the right-of-way or stop at a red light or stop sign. By preparing for the unexpected, you can be ready for anything.

Follow the 3- to 4-second rule. Using the 3- to 4-second rule will help you establish and maintain a safe following distance. When you see the vehicle in front of you pass a street sign or fixed object,
slowly count how long it takes you to pass the same object. Under normal driving conditions, if you are following a safe distance it should be around 3-4 seconds before you do. In bad weather, increase your following distance.

When Defensive Driving Isn’t Enough

Even the best defensive driving won’t completely eliminate the possibility of being caught up in an auto accident.  Don’t take chances by insuring your car, your family, and your assets with cut rate insurance.

We can help you get back where you belong after an auto accident with our new Smart Plan Auto Insurance Policy.  We offer more than 20 discounts ranging from Auto-Home and Safe Driver to Good Payer and Paid in Full.  We also have discounts for youthful operators – like Good Student and Student Away.

Many optional coverage features are available as well – OEM parts, New Car Replacement, Roadside Assistance, to name just a few.

At the Michael Binns Insurance Agency we will put our 28 years of insurance experience to work for you and your family and work hard to  assure the vital coverages are in place so you never have to worry.

Saving Money on your priority list?  We can accomplish that as well.  The average annual savings of our last few clients are in excess of $1500 – with better coverage!  Contact us to get your free quote now and Get Smart about your auto insurance.

Insurance Quote Page



Value, Trust and Service