Statistically speaking, an automobile fender-bender occurs once in 5 seconds, someone suffers bodily damage or mental trauma resulting from a car crash in eleven seconds, apart from which a person is fatally injured once in 12 minutes. These numbers make for fearsome considerations as you head out the door to classes, your workplace, or to run down to the neighborhood grocery shop, and is convincing evidence as to the reason why online insurance coverage is so indispensable.
Nevertheless, you can throw off the tension, when you learn that the crash fatality rate for every hundred-million VMTs (vehicle-miles traveled) is at an all-time low than ever noted since these figures started to be documented 30 years back, registering at 1.46, and stayed below 1.50 in the 2nd consecutive year in a row. According to a study, the number of police-reported motor vehicle crashes, happening somewhere on the major routes, dipped to less than 6.2 million compared with over 6.3 million for the period `03, besides which the figures pertaining to individuals who were hurt by means of motor-vehicle collisions continues to progressively decline as well.
This drop is owing, in some measure, to the US-wide movements that were specially intended for encouraging seat-belt usage and lowering impaired driving (that is, driving under the influence of alcohol of drugs). Currently, the seat-belt legislation is compulsory in all of the 50 states of the US, and this measure has substantially helped reduce the number of individuals who are fatally injured in auto mishaps in `04. The U.S.-wide movement for DUI (driving when drunk or `under the influence`) has additionally largely helped bring down alcohol-related car-crashes where there are life-threatening injuries sustained, for two consecutive years straight.
Despite the above-mentioned innovative preventive measures, accidents are hardly a thing of the past. This accounts for the reason that the thrust of the initiative has shifted, to analyzing those days and time when vehicular mishaps are more likely to take place. Going by research studies, Saturday and Sunday nights, between midnight and 3 a.m., are stated to be the most perilous times for drivers and pedestrians on city streets, with a sum total of 2,451 fatal crashes in `04; seventy-six percent of such automobile-related casualties involved alcohol.
So you can have some idea of the time-period during the day you`d be well advised to attempt to keep off the roads - or be particularly cautious, but are you aware of the deadliest time of year? One study claims that August beat all comers, notching up the greatest number of fatal crashes in the space of that 1 month, and the second most significant findings state that the festive month of December had the highest total of vehicle crashes, totaling 601,000 - statistics you should bear in mind when you`re planning your road travel over the X`mas break!
The automobile you drive will, additionally, play a large role in the possibility of automobile mishap. Passenger cars (large vehicles designed to carry up to 9 passengers, including the driver) and light trucks made up about 95 % of the 11,000,000 motor vehicles involved in auto mishaps during 2004. Heavy trucks made up merely 15 % of the motor vehicle accidents. In addition, we saw that there were more instances of vehicles literally going belly-up during a collision. Out of the motor vehicles that overturned, vehicles like pick-up trucks presented the greatest 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. Regardless of the extent of personal and property damage caused by these collisions, the larger proportion of such accidents happened in daytime, with no abnormal or difficult weather conditions, when the vehicle was not navigating any curves or gradients.
Safeguard yourself (and your family) by obtaining sufficient online ins coverage. Accidents are bound to occur sometimes, yet you do have control -- just respect some straightforward safe-driving protocols at the time you are behind the wheel. These include using your seatbelt at all times, respecting the maximum speed permitted on any stretch of road, being cautious of your surroundings, and also ensuring you have policy. When you carry ins coverage on line, you will be in a position to secure your own person, your immediate family, passengers, along with other motorists, from suffering needless heartache and financial encumbrance.
If you are in the market for on line ins coverage or when you are keen to ensure that you`re being given the best plan which you`ll find for the price, the internet is a resource that can help you search for any kind of online insure policy data you need. There, you`ll have every opportunity to make side-by-side comparisons of online insurance fees by using quotes available from as many as a dozen insurance organizations, which will assist you when you evaluate a number of web insure policy premiums and also enabling you to locate the most suitable web policy policy package to meet your general circumstances and needs.
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