Road accidents are unfortunate incidents. They can bring about a lot of chaos and loss. While you can expect some degree of recovery if you were involved in a vehicle accident, it may not always be possible to fully recover. Hence, it is essential to practice precaution and engage in preventative behavior to avoid accidents.
There are a few basic things you ought to know and must practice so that your chances of encountering a vehicle accident are minimized. However, you may still come across a slight chance of ending up in an unfortunate situation. To prepare for this slight possibility, it is essential to stay protected.
One way of staying protected is getting a motor insurance policy
. As a vehicle owner, you are already required to get a third-party liability cover. However, it only protects you financially if you are liable to pay a third party. In addition to this, you should get a comprehensive motor insurance policy to protect yourself and your vehicle against any dire incidents.
In addition to getting a comprehensive vehicle insurance policy, you should also be aware of how to make an insurance claim. The process, usually, is quite simple. You can read your policy document or consult your insurance provider representative to get more information regarding the same.
Common causes of vehicle accidents
Once you have added a layer of security to your life and your vehicle using a motor insurance policy, you should also look into understanding how accidents happen and how you can avoid them. Let’s take a look at some of the common causes of vehicle accidents.
1. Human error
Most people may not want to face this, but human errors can contribute to a significant amount of road mishaps. It could be simple things, such as a moment of divided attention or being in a hurry. It could also be more serious things, such as driving under influence or driving when you are unwell. It is not always necessary that you may end up in an accident if you are driving or traveling in a car. It is also necessary to be a responsible citizen and practice pedestrian safety.
2. Vehicle Malfunction
There are several scenarios where a malfunction in the vehicle would end up in an accident. You could face possibilities, such as brake failure, tyre bursts if you are over-speeding, or other motor glitches. Furthermore, your vehicle could also break down or start malfunctioning because you are driving it while overloaded. In rare cases, the reasons for vehicle malfunction may not be simple or immediately evident. They may be complex and may require further investigation.
3. Unsuitable road conditions
Road conditions are an important factor when it comes to practicing road safety.
Bad roads can make the journey difficult for pedestrians, the driver, passengers, as well as vehicles. It can lead to vehicle damage or directly lead to a mishap. Some adverse road conditions to look out for are potholes, bad or damaged road surfaces, and broken or ill-formed speed breakers.
4. Bad weather conditions
Weather conditions cannot be controlled. Bad weather conditions can wreak havoc on your property. Hence, it is important to stay cautious and be aware of the weather conditions and how they can affect you, especially during your travels. Heavy rains, storms, excessive thunder, and extreme heat are some of the conditions you should be cautious about.
Tips to prevent car accidents
Here are a few tips you should keep in mind to ensure a safer and smoother trip while avoiding mishaps.
1. Practice road safety
The key to having a safe journey is having road safety awareness. Ensure that you know how to take care of your well-being as well as others.
2. Follow all rules and regulations
Road safety awareness is the start. You should not only know all the rules, regulations, and best practices when it comes to driving and pedestrian etiquette, but you should also follow them.
3. Do not use a phone while driving
Not only is it unadvisable, but there are also rules against it. When driving, avoid being distracted by the phone. It can distract you and lead to unwanted situations.
4. Ensure the proper functioning of your vehicle
Before any commute, check your vehicle’s basic functions. If you find it malfunctioning during your commute, stop and check if anything is wrong with it. Moreover, also ensure that you service your vehicle regularly to ensure its smooth functioning.
5. Do not drink and drive
One should always avoid drinking and driving. If you have had alcohol, it is best to not drive. If you are aware that you have to drive, you should avoid drinking.
6. Do not drive when sleepy
Driving when sleepy may lead to accidents. It is a risky thing to do and should be avoided. If you find yourself facing such a situation during short-distance commutes, try to take a break and refresh yourself. During long journeys, it is best to find a safe spot and take a nap before you can start driving again.
7. Limit night-time driving
Driving conditions aren’t the best once the sun sets in. Moreover, you may also feel sleepy. Considering both these factors, it is best to avoid driving at night. If unavoidable, take breaks when necessary.
8. Take note of the road conditions
You may have to drive on unknown roads occasionally. In such cases, drive carefully and avoid over-speeding. If possible, avoid roads that are in bad shape.
9. Renew your policy
Make sure to take care of your motor insurance renewal on time. This will ensure that you have an added layer of security and that you are financially protected.
These are a few tips to warrant your safety on the road. If you were to encounter an accident, it is important to know what to do next. Primarily, it is essential to take care of the physical well-being of everyone involved. Next, you should know how to make a motor insurance claim
so you can avoid the financial burden brought on by the accident.
*Standard T&C apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
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