FREQUENTLY ASKED QUESTIONS

Tal from New York City today asked us: “Sometimes accidents are unavoidable.  Safe drivers still have car accidents, right?”

Answer:

Accidents can happen to anyone, no matter how safe you try to be on the road. There’s not one demographic of the population dubbed “safest drivers” but there are things you can do to make sure you’re not involved in an accident. One of the biggest correlations between drivers and their actions on the road is age.

Teenagers are the riskiest group of drivers. More often, they are involved in car accidents that lead to injuries and fatalities. In fact, car crashes are the leading cause of death for teens aged 16-19. Due to inexperience, many teen drivers overcorrect during an accident, leading to more serious damage. States have been working to gradually introduce teens to driving with graduated driver’s licenses. This is a tiered procedure that requires a teen pass several steps before moving onto the next level of licensing. This method has helped cut accident rates in states that enforce the laws.

Another age group that tends to receive high insurance premiums are the elderly. Over your lifetime, your insurance rates will begin high, lower and level off as you age and become more experienced and as you enter your golden years, there may be a premium increase. Aging can affect driving skills. Whether it’s depreciation of sight or motor skills, there are ways to combat the effects of aging on driving. If you notice that nighttime is particularly difficult, try to complete errands during the day.

The most important step to staying safe is realized your capacity for driving. Even adults with years of experience admit to driving while distracted. Cell phones, children, and the radio can all take your attention off the road. It’s hard to place a statistic on safe drivers because they go unnoticed. Avoid becoming a statistic yourself and commit to safe driving principles.