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Tips for Avoiding a Costly Car Accident

By Debra Amato, California Business Journal

The chances of getting into a car accident vary with age; for example, 16-19-year-olds account for over 9% of crashes reported in the US, whereas drivers aged 65-74 account for 7% of all reported crashes. Although you cannot do anything about your age, there are some steps you can take to significantly reduce your chances of being involved in a collision. Follow these tips to avoid an accident that could cost you financially and physically.

Drive Defensively

The number one thing you can do is drive defensively. Be aware of other vehicles around you and look ahead to spot potential hazards. Leave plenty of space between you and the car in front so you have room to stop gradually. Drive at safe speeds according to conditions and obey all traffic signs and signals. Defensive drivers take steps to compensate for other motorists’ errors to prevent accidents before they happen.

Have Adequate Insurance

Even if a car accident is not your fault, the resulting claim could exceed the at-fault driver’s liability coverage limits, leaving you responsible for uncovered medical costs, lost wages from injuries, and other damages. Make sure you carry sufficient uninsured/underinsured motorist coverage, bodily injury liability coverage, collision coverage, and any other options your insurance company offers. If these prove to be less than helpful, make sure you have the number of a reputable auto accident attorney on hand who can help you get the maximum compensation available for your claim.

Minimize Distractions

Driver inattention and distraction

play major roles in accidents, causing the deaths of 3,000 people each year. Eliminate cell phone use while driving, even with hands-free options. Pull over safely if you need to make a call or send a message. Avoid programming navigation systems, changing music, eating, and engaging in intense conversations while behind the wheel. Stay focused on the road and traffic conditions at all times.

Check Blind Spots

Take extra care to check your blind spots when making lane changes or merges. Quick head checks can save you from sideswiping another car or colliding with a motorcyclist. Adjust side and rearview mirrors properly to minimize blind spots and quickly turn your head before changing lanes to spot vehicles that might otherwise end up in your blind area. Always use turn signals so other drivers are aware of your intentions.

Avoid Impaired and Drowsy Driving

Driving under the influence of alcohol or drugs dramatically raises crash risk. Likewise, getting behind the wheel without enough sleep can result in dangerously slow reaction times. Do not drive if you have consumed alcohol or taken medication or other substances that might affect your ability to react and focus. Make sure you get sufficient sleep before a long drive and take regular rest breaks every few hours if necessary.

Maintain Your Vehicle Properly

Keep your car well maintained and pay attention to safety recalls and mechanical issues right away. Check fluids regularly along with brake pads, tire treads, windshield wipers, lights, and other components subject to wear and tear. Damaged or worn parts increase risks of breakdowns and crashes. Also, remove any snow, ice, leaves, or other debris from your vehicle before driving.

Following these tips will go a long way toward keeping you safe and avoiding expensive collisions. Staying alert and driving responsibly protects not only you but everyone else sharing the roads too. Paying attention now can save you money, injuries, and headaches later on. With some preventative measures, you can steer clear of hazardous situations and enjoy the benefits of claims-free driving.