The Importance of Having Auto Insurance
We’ve all been in a situation where we’re late for an appointment or need to be home at a certain time. Driving erratically or irresponsibly should always be avoided, but what about other motorists on the road? It isn’t surprising that irresponsible driving can lead to traffic accidents. This is where both health insurance and auto insurance come into play. Having to deal with an accident can be expensive and time-consuming. In more serious cases where an injury has occurred, insurance can be doubly important. If you’re properly insured, then the process can be easier to handle.
One of the primary causes of car accidents in the nation, other than negligent drivers, are road hazards. Potholes, wet asphalt and roadside debris can lead to a loss of vehicle control, resulting in car damages or a collision in more serious cases. Auto insurance can help cover damages such as dents and shattered lights. If an accident has occurred, your insurance provider may even provide compensation for a rental, especially if another party was responsible.
Driving at Night
Night driving can also be a hazard, especially if weather or road conditions are poor. A person’s age can also play a role in their ability to drive during late hours. According to the American Optometric Association, or AOA, at age 60, symptoms of age-related eye problems become more apparent. This is why it’s important to:
- Have annual eye exams
- Reduce speed at night
- Avoid driving after having taken prescription drugs
Nonetheless, be cautious at night. An auto insurance plan can really help if you’ve suffered an accident due to hazards beyond your control.
According to a study conducted by the Centers for Disease Control and Prevention, one in 25 adults reported falling asleep while driving within the previous 30 days of the study. Fatigue can seriously impair a driver’s reaction time and ability to concentrate on the road. This is why it’s important to be extra cautious when driving at night. As we said before, an auto insurance policy can significantly help in dealing with a situation where a drowsy driver was responsible for your crash.
Drivers under the influence are more likely to be on the road at night, especially between midnight and 3:00 AM on weekends. Every day, 28 people in the United States die in motor vehicle crashes involving an impaired driver. In 2014, 9,967 drivers were killed in this manner, which accounted for nearly one-third of all traffic-related fatalities in the U.S.
Be Safe and Be Protected
We understand that there are factors beyond our control when we drive. However, it’s important to know that there are several things you can do to prevent accidents. If you’re in need of insurance in Harlingen, then get in touch with us. Our brokers will do their best to help you find the coverage you need. If you are already covered but need help to file a claim, we can assist with that, too.
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