Auto Insurance Facts
According to the U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA), there are five leading factors involved in auto accidents.
Drunk Driving: Crashes caused by drivers under the influence of alcohol (DUI) accounted for 18 percent of the total economic loss due to motor vehicle crashes. DUI crashes also cost the nation $49 billion dollars, an average cost of $158 dollars for every person in the U.S. Including lost quality of life, these crashes were responsible for $199 billion dollars, or 23 percent of the overall societal harm caused by motor vehicle crashes.
Speeding: Crashes involving a speeding vehicle traveling over the posted speed limit, or too fast for conditions, accounted for 21 percent of the total economic loss and cost the nation $59 billion dollars in 2013. This is an average cost of $191 dollars for every person in the U.S.
Distraction: Crashes involving a distracted driver accounted for 17 percent of the total economic loss and cost the nation $46 billion dollars in 2013.
Pedestrians and Bicyclists: Crashes involving pedestrians and bicyclists accounted for 7 percent of the total economic loss and cost the nation $19 billion dollars in 2013.
Seatbelts: Seatbelt use prevented $69 billion dollars in medical care, lost productivity, and other injury related costs. Conversely, preventable fatalities and injuries to unbelted occupants accounted for 5 percent of the total economic loss and cost the nation $14 billion dollars in 2013.
Auto Insurance Coverage
Having the right kind of auto insurance can protect you from serious financial loss.
Auto physical damage & collision
Personal injury protection
Auto medical payments