Car accidents occur due to many reasons. Car accidents are also called road traffic accidents RTAs. They may be due to the negligence of the drivers or maybe the driver was too young or not properly trained. Accidents occur due to the public neglecting traffic rules and regulations, at places of signals, using cell phones while in traffic, teenage driving, unconditioned vehicles etc. Proper lanes should be provided by every government, wide advertisement banner free roads, fluorescent indicators throughout the roads medical facility at proper distances to give first aid to the injured at highways, obstacle free pathway etc. The government should check these criterions regularly.

Unconditioned cars or after using few years cars are condemned at regular period in most of the countries. This helps to avoid few types of accidents. Rear end collisions, head on collisions, car wrecks and roll on collisions are some of the types. Rear end collisions are of two types, both moving and one at rest and other moving. The second one is whiplash and in that when a car is not in mobility i.e, at rest and another car, which is moving, collides with the stationery one into the rear part of it. The neck is in rest position and the persons wearing of seat belt undergo injury around neck area also known as whiplash. The neck is thrown forward when tied with a seat belt. This is also caused because when a person suffers from a sudden jolt to their head or body. The sudden jolting causes damages to the muscles, soft tissues, ligaments in the neck and tendons.

Car wrecks happen due heavy truck collision. These occur due to unlicenced drivers. The claiming person may get up to $400,000 to $500,000 from an insurance company. These car accidents kill atleast 1.2 million people worldwide every year, 40 times of the killed will be the injured ones each year. Roll over have become more common in recent years, perhaps due to the increase in popularity of taller vans and people carriers. Rollovers can often be fatal, especially if the occupants are ejected because they were not wearing seat belts. When the driver did not wear a seat belt 83% of ejections during rollovers were fatal. When seat belts are worn only 25% are numbered. Rollovers have contributed to more than 10,000 deaths for 1 year even though they only account for about 3 % on overall car accidents.

Backup collisions happen when a driver reverses the car into an object, person, or other car. Although most cars have facility in such a way that rear view mirrors which are adequate for detecting vehicles behind a car, they are inadequate facility for detecting small children or objects close to the ground, which fall in the car’s blind spots.

Measures taken to avoid car accidents are: -

1. The government must provide good roads, with as many safety measures like speed breakers and traffic signs. There should be traffic lights at all the important and dangerous crossings.

2. The car owner must ensure that he maintains his car in good condition. Servicing the vehicle, having the right kind and size of tires with proper air is a must too.

3. While driving on wet roads don’t over speed and never let your car fish tail.

4. Always follow the traffic rules and never jump signals or lanes.

5. Be a responsible citizen and don’t drive under the influence of alcohol.

6. While backing up in a crowded area always look through your rear mirror and reverse slowly or else get your co driver to get down and help you.



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To err is human and nobody can boast of not making a single mistake in life, including while driving in a car. Even if the person driving the car makes no mistake, chances are high that the person on the opposite side drives carelessly and accidents do happen. So, it is mandatory for every car owner to have a car insurance which would be beneficial for both the owner of the car and the car.

Car insurance is a type of insurance coverage for damage to the car including damage resulting from another vehicle. Car insurance covers a variety of things that depend upon the kind of car insurance that has been purchased. Car insurance carries a premium which is the amount a customer has to pay to obtain car insurance. The amount of premium depends on various factors and differs from one company to another.

In fact, there are different premium rates for males and females because it is a general fact that men are more likely to be involved in an accident than women. Likewise, the premium rates for teenagers are higher and have to pay more, since teenagers fall under the category of high risk. If the teenager takes a defensive driving course then, there is a chance of reducing the premium.

There is a deductible in car insurance for which the customer is responsible before the insurance provider offers insurance coverage for expenses and the deductibles also influence the coverage available. Car insurance also comes as collision auto insurance which covers the cost of repairs to a vehicle involved in an accident or the cash value of the vehicle, if it is beyond repair.

In the event of an accident happening, there may be a great deal of damage to the person as well as the car. Along with it, comes the financial liability. At least the later part can be reimbursed if the car is insured properly. If the car is uninsured, the person has to bear the mental agony, damage to the vehicle and the financial burden. So, it becomes utterly necessary and wise to take up car insurance.

Realizing the importance of car insurance, most of the countries around the globe have made car insurance mandatory. If a person drives without car insurance, he or she may have to face legal charges including suspension of driving privileges and also hefty fines and in some cases, jailing.

When car insurance is taken, it offers a peace of mind to the owner of the car and this fact would make him drive peacefully and safely and this factor itself would avoid many accidents. Every one owning a car has to possess a car insurance which is a way of protection, not only for the self but also for others on the road.



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