08/29/2023
It is estimated that 25% of drivers do not have ANY Auto insurance in Oklahoma. Please read the following statistics to protect your health and loved ones.
Collision in order of frequency:
Rear-end collisions are a regular cause of auto insurance claims. Whether you’re the driver in front of someone else who collides with your car or the driver behind someone else who collides with yours, this typical accident may result in personal injury.
Parked Car Accidents
Having your car struck by another vehicle is another frequent source of automobile damage. Whether you’re leaving your vehicle in a parking lot or on the highway, take precautions to avoid parked-car collisions and claims.
Windshield Impact
Chips and cracks on car windshields are typical automobile accidents that many drivers are unaware of. The most common form of windshield damage is caused by stones and rocks being thrown into the air by passing cars. Keep your distance from automobiles and trucks to help prevent this kind of damage.
Intersections
Intersections are another location where collisions frequently take place. Distracted drivers may fail to notice traffic signals changing from green to yellow to red. Alternatively, they may miss vehicles stopping ahead of time before making turns.
Backing Accident
Accidents can happen at any time, whether you’re backing out of a parking spot or your driveway. While backup cameras are common now, they are not always in a vehicle, and one must rely on checking mirrors and windows for oncoming traffic. A backing accident can be out of your control if someone is driving faster than they should be or is completing another type of traffic violation.
Intoxicated Driving
The leading cause of automobile accidents isn’t driving while intoxicated, but it does cause the most deaths. With alcohol or drugs in their system, motorists have had a decreased reaction time. This is true even for some prescription medicines. If you’re not sure if you’ve hit the legal limit, it’s best to let someone else drive.
Precipitation
When it rains, collisions are more probable. This is because driving on wet roads may produce slippery and hazardous conditions. Rain also reduces visibility, making it more likely for a collision.
Diverted Driving
The actual figure for diverted driving accidents is unknown, but it is a major cause of vehicle incidents. Distracted driving may take many forms, including talking or texting on the phone, eating, reaching for anything, interacting with other passengers in the car, and smoking.
Fast Driving
You may feel compelled to speed up when in a hurry, but speeding is the third most common cause of automobile accidents. Because drivers have low reaction time and may not react as fast as needed, speeding puts them at a greater risk of collision. Given the significant amount of force that is enacted during a collision, speed-related collisions are more likely to result in catastrophic consequences.
Nighttime Driving
During the nighttime, it becomes more difficult to see due to reduced visibility. Because you, as a motorist, may not be able to detect signals or people crossing the road, it’s critical to be extra vigilant while driving at night and use high beams if driving on a lonely highway with no streetlights.
Ignoring Lights
Driving through a red or yellow light is extremely hazardous. These sorts of incidents frequently result in high-speed collisions, often on the side of the vehicle. These accidents often are fatal for some.
Poor Lane Changes
If drivers don’t check their mirrors properly, particularly their blind spots, they may collide with another vehicle.
Poor Following Distance
Poor following distance is when you follow another vehicle too closely. When the driver in front of you in the traffic lane stops suddenly, you risk striking their vehicle because you can only react so fast, and your car may be too close to prevent a crash.
Failure to Yield
There are many different types of yield signs, and they may be confusing for some drivers. If you’re not sure how to properly yield, it’s always best to err on the side of caution and let the other driver go first.
Reckless driving is characterized by any dangerous behavior on the road. This can include anything from speeding to weaving in and out of traffic. Reckless driving is often the result of road rage and can lead to severe accidents. No one wants to be in a car accident, but unfortunately, they do happen. If you have been involved in a collision, it’s important to seek medical attention immediately, even if you don’t feel hurt.
Written by Pery Law
and Darcy Rae Gooszen & Associates Insurance
After three (not at fault rear endings), I can personally tell you that you should seek the best insurance you can afford.
None of us want to buy insurance, not even agents.
We'd rather take that trip to Tahiti or something else.
After an accident: the amount of time settling claims, rental cars, medical imaging, doctors, physical therapy, seeking legal aid from lawyers (that sometimes takes years), purchasing a new vehicle, dealing with initial information to the authorities and both insurance companies (Assuming the person who hit you DOES have insurance). Invest in your health. People are driving more irrationally. Auto insurance is a priority. Underinsured drivers are a very important coverage that you should discuss with your agent (as the other driver will probably only carry liability). Get the best you can! You can lower rates by taking safe driving courses and ALWAYS ask your agent what may lower your rates, as each carrier is different. You don't have time for this. Stay safe!
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