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The simple truth is that, in most cases, car accidents are usually caused by carelessness or negligence. The word "accident" is often used to describe any collision on the road, yet true accidents are relatively rare. The majority of auto collisions occur as a result of only five factors.

Equipment Failure

There are a number of design specifications and standards that manufacturers must adhere to by law when producing cars. Many years of tests and accident investigations lead to these standards being formulated, but it is inevitable that mechanical parts will fail from time to time. Making sure your vehicle is well-maintained and serviced at all times can reduce your risk of getting into an accident. According to SmartMotorist.com, only around five percent of all accidents occur as a result of mechanical failure; it is believed that many of those accidents could be prevented with regular safety checks. Particular attention to brakes and tires is essential, as accidents caused by defects to these vital parts could invalidate your Kankakee auto insurance coverage.   

Road Design

It is common for drivers to blame factors such as roadway surfaces, traffic control devices and hazard visibility for the accidents they have caused. Government and private contractors spend millions of dollars ensuring that public roads are as safe as possible, but it is impossible to catch every hazard before it causes a problem. While the condition of a road can be blamed for a small number of accidents, the driver's failure to adapt to the conditions is usually the underlying cause of a collision. If you're driving on unfamiliar roads, take your time and remove all unnecessary distractions.

Poor Road Maintenance

Incessant heat, moisture and wind attack road surfaces over time, and they can become worn, uneven and unsafe. Debris, faded traffic signs and potholes are just some of the hazards that can lead to auto accidents. However, altering your driving style accordingly should enable you to avoid an unnecessary collision. 

Bad Weather

Inclement weather, particularly ice and heavy rain, can create extremely slippery road surfaces. Braking distances are drastically increased in such conditions, so giving yourself space and extra time to react should keep you out of harm's way.  And remember: no tailgating!

Driver Behavior

Driver behavior accounts for the vast majority of accidents on the roads in America. In fact, if you can modify your own driving style to meet ever-changing conditions, you could greatly reduce the risk of an accident due to bad weather, poor road maintenance, road design or equipment failure.

Driver behavior is the key to lower insurance premiums, and that is why most insurance providers provide substantial discounts and no-claims bonuses to drivers with a proven track record of safety.  Drivers who don't have accidents rarely claim against their insurance policy, and that means they can take advantage of greatly reduced premiums. 

If you want more information on auto accidents and how they can affect your insurance premiums, call HomeStar Insurance Services today on 815-468-8763.  One of our specialist advisers is waiting to take your call.

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