Statistically speaking, a motor vehicle collision occurs every five seconds, a person is harmed resulting from a mishap in 11 seconds, plus someone suffers a mortal injury every twelve minutes. These are frightening ideas to carry in your head when you leave home for classes, the office, or to the store, plus compelling confirmation of why online cars assurance protection is something you really require.
Even so, the scenario is not all dark and dreary - you can get respite from all those gloomy stats, with the knowledge that the number of collisions resulting in loss of life for each 100 million vehicle-miles traversed (which is the number of miles that non-commercial vehicles are driven in a base period) is the lowest it has been since these figures started to be documented thirty yrs. back, registering at 1.46, and this rate has stayed less than 1.50 in the second consecutive year running. Based on the data in a statement, the number of police-reported motor vehicle crashes, happening somewhere on the expressways, dipped to less than 6.2 million -- and that is from a previous 6.3 million for the year 2003, and the figures pertaining to persons who suffered some sort of damage through these mishaps continues to steadily drop too.
This decrease is owing, in some measure, to the interstate movements targeted toward promoting the use of seat belts by drivers and passengers and decreasing cases of driving when one`s ability is affected by alcohol or drugs (impaired driving). Today, the seat-belt legislation is legally required within each of the fifty states, and that has, to a marked degree, influenced the decrease in the number of people killed through vehicular collisions in 2004. The U.S.-wide program for drinking and driving (`driving under the influence`) is another factor that has significantly helped reduce DWI car-crashes where there are life-threatening injuries sustained, for the second consecutive year running.
In spite of all of these pioneering defensive measures, vehicular mishaps occur nonetheless. This explains the reason that the spotlight has been moved, to try and examine the days of the week and the times of day (or night) on which car crashes are more likely to take place. According to research studies, Saturday and Sunday nights, from 12 - 3 a.m., show up as the most dangerous 3-hour periods for drivers to venture onto the roads, with a total of 2,451 life-threatening car-related injuries that took place in `04; seventy-six percent of such crashes implicated intoxicated drivers.
With this information, you presently be aware of the hours of the day you`d be wise to tread (or drive) really, really carefully, but can you identify the most dangerous time of year? A survey suggests that the month of August won hands down with the dubious distinction of having the greatest number of fatal smashups during just a single month, and the festive month of December showed up the highest total of vehicle fender-benders, with the numbers reaching 601,000 - something to remember when you`re planning your a car trip during the winter holidays!
The auto you operate also will be a determinant when calculating the odds on a automobile crash. Passenger automobiles and vans made up nearly 95 percent of the 11 million vehicles involved in car accidents in the year `04. Heavy-duty vehicles were involved in only 15% of the motor vehicle accidents. Besides, we marked that there were more instances of vehicles rolling over in a collision. Of the vehicles which flipped over completely, light trucks (like pickups) were showcased as presenting the largest rate, - a rate of 36.2% for mortal accidents, 9.6% for injury crashes (accidents resulting in varying degrees of injury), and 2.4% for accidents where only property was damaged. Regardless of the severity of these accidents, the greater number of these vehicular mishaps happened during the day, in normal meteorological circumstances (for instance, no storms, fog, or snow), when the car was on a straight stretch of road.
Secure yourself by obtaining sufficient auto coverage. Of course, accidents and collisions do happen, but you do have control -- just respect a few simple safety measures at the time you are driving. These comprise using your seatbelt, no matter what, respecting the speed limit, being duly alert about the environs (as in the obstacles, people, or other vehicles around you), as well as having auto coverage. When you have autoinsurance, you will be in a position to safeguard yourself, your family members, your fellow-riders, as well as other road-users, from incurring even more unwarranted sorrow and financial hardship.
In case you are looking to buy automobiles online insure or if you are anxious to verify that you are being offered the optimal package in terms of the value, the `net will be able to find you any kind of internet autos insurance facts and/or figures you are looking for. On the Internet, you will have the means to make side-by-side comparisons of insurance quote premiums from no less than twelve insurance organizations, helping you compare a variety of cars ins fees and also enabling you to zero in on the ideal on line auto coverage package to align with your most important requirements.
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