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On average, a motor vehicle collision is said to occur once in five seconds, someone suffers bodily damage or mental trauma due to a smash-up every 11 seconds, not to forget that somebody is involved in a life-threatening car-accident once in twelve minutes. These numbers are spine-chilling ideas to carry in your head as you make your way to classes, work, or to the neighborhood grocery shop, and is forceful confirmation as to why online insurance coverage cover is a must.
Still, there`re some happier statistics to help you feel a little more at ease, knowing that the number of collisions resulting in loss of life per one hundred million VMTs (vehicle-miles traveled) is at an all-time low than it`s ever been since record keeping began 30 years ago, registering at 1.46, and this rate has stayed under 1.50 for the second consecutive year in a row. According to a report, the figure of auto collisions or other mishaps that were entered in police records, taking place along the major routes, have fallen to below 6.2 million in comparison to more than 6.3 million for the period 2003, besides which the statistics for individuals harmed by means of these collisions continues to gradually decrease as well.
This reduction is due, in part, to the nationwide movements that were specially intended for promoting the use of seat belts by drivers and passengers and lowering impaired driving (that is, driving under the influence of alcohol of drugs). At present, the seat belt law is legally required in every one of the fifty states of the US, and this measure has greatly influenced the decrease in the statistics of people killed through auto collisions or other accidents in 2004. The nationwide movement to discourage DUI (driving when drunk or `under the influence`) is another factor that has dramatically helped reduce DWI fatalities, for two consecutive years straight.
Regardless of all these resourceful defensive initiatives, car crashes do take place. This accounts for why the thrust of the initiative has shifted, in order to figure out on which days and at what time car crashes take place. According to research studies, Saturday and Sunday nights, between midnight and 3 a.m., are the most dangerous 3-hour periods for drivers to venture onto the streets, with a total of 2,451 fatal crashes taking place in `04; 76 percent of these crashes figured drivers `under the influence`.
All these statistics mean that you now realize the times of the day (or, rather, night) you`d be well advised to try and avoid, but what about the most hazardous time of year? A report concludes that the month of August beat all comers, notching up the greatest number of fatal fender-benders in that one month, and the second most significant findings state that the season of goodwill and (perhaps too much!) cheer, December, notched up the highest total of vehicle accidents, with the numbers reaching 601,000 - statistics you ought to consider during your car journeys during the X`mas and New Year breaks!
The car you operate will, additionally, play a large role when calculating the odds on a automobile mishap. Passenger cars and vans accounted for approximately 95 % of the 11 million vehicles (which works out to around 10.5 million) implicated in auto crashes in the year 2004. Heavy-duty vehicles made up merely 15% of the vehicle road mishaps. To add to this, we marked an increase in vehicles rolling over in a collision. Out of the vehicles which turned over, light trucks (like pickups) were showcased as presenting the largest rate, - a rate of 36.2 % in serious accidents resulting in loss of life, 9.6 % in `injury crashes` (auto mishaps where people were hurt), and 2.4 % in accidents that caused property damage only. In spite of the crash severity, the greater number of these accidents took place during the day, and in no extraordinarily hazardous weather conditions, and at a time when the vehicle was not navigating any curves or gradients.
Secure yourself by obtaining sufficient online coverage. Unfortunately, accidents are bound to occur sometimes, but you can abide by a number of straightforward means to enhance your (and others`) safety when you`re driving. Such measures entail using your safety belt, no matter what, driving within the speed limit, being duly alert about the environs (as in the obstacles, people, or other vehicles around you), as well as ensuring you have coverage. By having insurance, you are in a position to safeguard yourself, your family, your fellow-riders, as well as other road-users, from suffering needless grief and financial hardship.
In case you`re shopping around for ins coverage or if you wish to check whether you`re being offered the best scheme for the price, the `Net is a good source that will get you any kind of online coverage data you are looking for. There, you will be able to compare ins charges by getting estimates from no less than twelve insurance providers, helping you compare various insurence online charges and enabling you to locate the ideal online coverage package to align with your all your requirement criteria.
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