In the US, fatal motor vehicle accidents killed 36,560 people in 2018. This number has steadily fallen over the years, but is still the leading cause of death for teenagers.
Every time you sit in a car you risk being involved in a car accident. The more time you spend on the road, the more you expose yourself to this risk.
Although it is common to add an image of a multi-vehicle accident when a car accident is mentioned, single-vehicle accidents can also be fatal.
In 2018, 53 percent of motor vehicle accident deaths occurred in single vehicle accidents.
What is the leading cause of single-vehicle accidents? And what can you do better to avoid them? let’s take a look:
What is a Single Vehicle Accident?
As the name suggests, this is an accident involving only one car. There are many types of accidents that go under the umbrella of a single vehicle accident.
Think of situations such as running off the road, hitting an object (such as a railing or tree) on a roadside, colliding with fallen rocks or debris, losing control of the vehicle and rolling it, killing an animal, etc.
How often do single-vehicle accidents occur?
Across the country, In 2018, 53 percent of motor vehicle accidents were caused by single vehicle accidents. Montana actually had the highest percentage of deaths due to single-vehicle accidents at 71 percent.
Research shows that drivers in pickups and SUVs are more likely to result in fatal single-vehicle accidents than cars.
Is the driver always at fault?
Most single-vehicle accidents are caused by some type of driver error. Even when any other factor plays a role in the situation – such as bad weather conditions or an animal – it is up to the driver to anticipate and avoid hazards.
Some of the most common factors include distracted driving, high speed, dubbing driving and drunk driving.
What to do after a single vehicle accident
When you are involved in an accident, assess your passengers and your own injuries.
You should assess your safety. Is your vehicle out of travel lanes away from oncoming traffic? If not, move it (if possible) or get out of the car and walk to a safe place. If you have it, do not forget to turn on the dangerous lights.
Call the police Yes, you should do the same for a single vehicle accident.
It is important to have an official record of what happened. Before they arrive, take pictures of the scene, write down the time of the crash, the speed at which you were going, any dangerous road conditions or problems with your car that you saw.
Will my insurance cover a single auto accident?
It all depends on what coverage is on your car insurance policy.
Do you have collision insurance? This is an optional part of your insurance policy, but an estimated 73 percent of people still decide to get it.
If you are involved in an accident then collision insurance covers the cost of replacing or repairing your car. And includes single-vehicle accidents.
If you damage your car, roll onto icy roads, hit a tree, hit a tree, or hit a utility pole, your collision insurance should cover you.
If injuries are caused by this accident, Personal Injury Protection (PIP) insurance or MedPay will pay your medical expenses.
However, since single-vehicle accidents are almost always treated as a mistake, it will increase your premium if you file a claim.
What if I have comprehensive insurance?
Comprehensive insurance can come in handy in single vehicle accidents.
If you kill an animal instead of swallowing it to avoid it, comprehensive insurance will cover the damage to your car.
But it is important to note that if you avoid killing the animal and hitting the tree, collision insurance will cover the damage.
Just because I can file a claim, should I do so?
When a car accident involves multiple cars, it is always a good idea to make a claim. But it is not always so black and white when it is only included in your car.
Remember: You must pay your deductions when you file a claim. So if it is a minor damage and the cost of repair is less than your deductible, it is probably not worth it to claim it.
You also need to pay attention to the fact that your premium will almost certainly go up after filing a claim.
It is up to you to assess the severity of the damage and weigh the options. Filing an insurance claim versus paying out of pocket.
How do I survive a single-vehicle accident?
Be aware of your driving habits right off the bat. Anytime you arrive behind the wheel, make sure you are alert and alert. Limit the distractions in your car so that you can drive with caution.
When it comes to your cell phone usage, you only have to limit it to emergency situations. Even then, you should only use your phone after pulling it safely.
Despite popular belief, using hands-free technology does not make you a safe driver. Using this technique you can also remember important audio and visual cues.
Accidents occur at high speeds on rural roads and highways due to drifting driving. So if you are feeling tired, get on the road safely and relax. It is better than always pushing to reach your destination.
It is a natural reaction that makes one want to swim to miss an animal. But it can prove to be very dangerous. While no one wants to kill an animal, serving is not the solution to the problem. It is safer for the driver and passengers to swim in the oncoming traffic versus to kill the animal, to go and roll into the ditch, or to hit a light.
Cover will get you Auto bid in five minutes. You just have to answer some small questions.
Get your auto quote here