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At a median rate, a motor vehicle accident is said to occur once in 5 seconds, an individual is hurt in an accident once every eleven seconds, plus a person is fatally injured once in 12 minutes. These are fearsome figures to think about when you close the front door behind on your way to classes, your place of work, or even to the neighborhood grocery shop, plus compelling corroboration as to why vehicles coverage coverage is - or should be - mandatory.

Nonetheless, the scenario is not all dark and dreary - you can feel a little more at ease, with the knowledge that the crash fatality rate for every hundred-million vehicle miles traveled is at an all-time low than ever noted since record keeping began three decades back, currently at 1.46, and stayed less than 1.50 for the 2nd consecutive annual period. According to a study, the number of police-reported motor vehicle crashes, taking place on the major routes, dipped to under 6.2 million compared with over 6.3 million in `03, and the statistics for individuals who suffered some sort of damage in auto smash-ups continues to steadily fall as well.

This drop is owing, in some measure, to the nationwide programs with the goal of encouraging safety belt use and lowering cases of driving when one`s ability is affected by alcohol or drugs (impaired driving). Today, the seat-belt legislation is compulsory within all of the fifty U.S. states, and that has significantly influenced the decrease in the figures pertaining to persons who suffer mortal injuries in motor vehicle accidents for the year `04. The countrywide crusade to deter driving under the influence has additionally largely helped bring down alcohol-related accidents that result in death, for two consecutive years in a row.

Regardless of these new precautionary actions, collisions do take place. This explains why the spotlight has turned, to analyzing those days and time when accidents are more likely to take place. On the basis of studies, both the regular weekly `off` nights (Saturdays and Sundays), in the wee hours, from 12 midnight to 3 in the morning, have been declared the most threatening 3 hours for drivers and pedestrians on city roadways, with a statistical figure of 2,451 fatal crashes in `04; seventy-six percent of such accidents implicated intoxicated drivers.

So you now know what hours of the day you should tread (or drive) really, really carefully, but can you identify that time of year? A study shows that the month of August beat all comers with the most fatal smashups during just a single month, and the month of December logged in with the highest figures in car accidents, adding up to 601,000 - statistics it might be prudent to take into account when you`re planning your road travel over the X`mas break!

The car you drive will, additionally, play a large role in the possibility of automobile crash. Passenger cars (large vehicles designed to carry up to 9 passengers, including the driver) and minivans were responsible for almost 95% of the 11 million vehicles (which works out to around 10.5 million) implicated in auto accidents in the year 2004. Big rigs were implicated in just around 15 percent of the vehicle road mishaps. Besides, we noted that there were more instances of vehicles overturning at the time of a vehicular mishap. Of the vehicles that overturned, light trucks (like pickups) were showcased as presenting the greatest figures, at 36.2 percent in fatal crashes, 9.6 percent in injury crashes, and 2.4 percent in property-damage-only-crashes. Irrespective of the crash severity, the greater number of such road mishaps happened in the light of day, and in no extraordinarily hazardous weather conditions, and at a time when the automobile was traversing a straight road.

Cover yourself with vehicles coverage. Accidents are one of those things that can`t always be avoided, but you do have control -- just follow a few simple safe-driving protocols while driving. Such measures entail using your seat belt at all times, sticking to the stated speed limit on a road, making it a point to be careful about the environs (as in the obstacles, people, or other vehicles around you) and having online motor insure. When you have vehicle assurance on-line, you are equipped to protect yourself, your family members, your fellow-riders, and other motorists, from having to bear needless heartache and financial encumbrance.

If you are interested in purchasing cars insure or when you are keen to check whether you`re being given the best plan that you can get for the value, the Internet can help you locate any kind of autos assurance facts and/or figures you require. There, you will have every opportunity to make side-by-side comparisons of car insure fees by getting estimates from up to 12 insurance firms, which will assist you when you evaluate a variety of car coverage charges and also enabling you to home in on the most affordable motor vehicles insure policy package to suit your most important requirements.

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