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An Important Necessity: How Car Insurance Protects Motorists from Accidents

Anything can go wrong at a moment’s notice. This is especially with driving, given that the United States Census Bureau noted that an average of over 10 million traffic accidents happened annually between the years 2005 to 2009. Such accidents can cause devastating consequences that are sure to affect victims for a very long time.

Take, for example, this hypothetical scenario that is a common experience for most people affected by car accidents: A victim fortunately survives a devastating car wreck. However, she suffers severe injuries requiring a series of surgeries and a long road of treatment. In this time, the victim will need to take time off from her livelihood. Unable to earn an income, she and her family suffer great financial strain.

It is because of these situations that all motorists are enjoined to avail of certain safety nets that will ensure their well-being should the worst happen on the road. As a matter of fact, most areas in the United States require drivers to have access to such security measures. Before being allowed the privilege to drive, motorists will need to carry some form of car insurance policy that will allow them to mitigate any financial losses that are likely to occur should the worst happen while they are out on the road.

Drivers can pay for an insurance policy through monthly payments called premiums. According to Habush Habush & Rottier S.C. ®, paying higher premiums typically gives drivers more benefits for any accident that may occur. Still, those working with tighter budgets can still receive appropriate assistance after an accident.

Preventing Traffic Accidents: Safety Practices Motorists Should Observe

Any activity will always involve a certain degree of risk. According to, this is especially true for driving, especially considering that traffic accidents appear to be quite a common fixture in American roads and highways. As gathered by the United States Census Bureau, a total of 10.8 million motor vehicle accidents had been reported in the year 2009. That these accidents led to 35,900 fatalities demonstrate how dangerous driving can easily become. As a matter of fact, the Centers for Disease Control and Prevention or CDC had once asserted that car accidents are among the leading causes of death in America.

Because of certain risks involved in driving and being out on the road, both government agencies and non-government organizations have been pushing to ensure that the number of recorded accidents will continuously decrease through the next coming years. One of the ways both groups accomplish this is by holding information campaigns to advocate for road safety and proper driving practices. Among oft-repeated reminders include observing proper seatbelt use, making use of car seats for small children, driving with extra caution during bad weather, and completely avoiding driving when feeling drowsy or out drinking.

Despite constant reminders made through creative ad campaigns and catchy slogans, there are still some drivers who fail to follow through on risk-reducing precautions. Take, for example, the fact that drunk driving continues to be an on-going dilemma. As noted by the National Highway Traffic Safety Administration or NHTSA, alcohol impaired driving remains to be the leading causes for car accidents.

The website of Rhinelander personal injury attorney from Habush Habush & Rottier S.C. ® notes that car accidents claim thousands of lives and cause millions of injuries every year. The consequences of a car accident can be lifelong and devastating. As a result, all motorists are encouraged to be responsible while on the road and remain vigilant for other drivers not willing to follow the same rules.