Car insurance is a good thing, but it’s not perfect. There are many factors that can affect your risk of having a claim and some of them are beyond your control. For example, driving while distracted can lead to an accident and ignoring routine maintenance can damage your vehicle over time. But there are ways you can protect yourself by taking care of these issues yourself or hiring professional help if needed:
Driving while distracted
Driving while distracted is a factor in most accidents. A survey by the National Highway Traffic Safety Administration (NHTSA) found that drivers who reported being behind the wheel when they were distracted were more likely to cause accidents than those who weren’t. Even if you’re not caught texting or talking on your phone, studies show that even just looking away from the road for a few seconds can be enough to cause an accident.
The consequences of this behavior are severe: driving while distracted can lead to fines and penalties if you’re pulled over by police or if you get into an accident because of your lack of focus on what’s happening around you in traffic—and these fines add up quickly! So how do we avoid getting caught up in these dangerous situations?
Ignoring routine maintenance
Ignoring routine maintenance is another common mistake that leads to car insurance claims. It’s important to keep your vehicle in good condition, but you should also make sure that it receives regular maintenance. You can find a good mechanic by asking friends and relatives or by checking out online reviews at sites like Yelp and Angie’s List.
Not cleaning your vehicle
If you’re not cleaning your car regularly, it can lead to damage and costly repairs. Here are some tips on how to clean your car:
- Wipe down the interior with a damp cloth and let it air dry before driving again.
- Wash the exterior of your vehicle with soap and water if necessary (but don’t use Windex!).
- Check for rips or tears in carpets or upholstery—you’ll want to replace them immediately if there are any serious signs. You can also check under seats for dirt buildup; use a vacuum cleaner if necessary!
Not keeping up with traffic flow and speed
When you’re behind the wheel of your car, the last thing you want to do is risk getting into an accident. That’s why it’s important to know how fast other drivers are driving and stay within the speed limit.
The problem with this is that many people don’t realize that there are different kinds of speed limits: “National” versus “State” versus “City.” The national speed limit is always 55 miles per hour (mph), but state boundaries can vary widely from one area to another; for example, some states have a maximum 35 mph limit while others have no minimum at all!
As a result, many drivers who choose to drive faster than local laws dictate will find themselves cited or ticketed by local authorities—and those citations come with fines ranging from $20-$100+.
Taking corners too fast
While it can be fun to drive fast, there are some situations where speed limits are in place for a reason. For example, if you’re on the highway and have to pass other cars at high speeds, then that’s what they are there for—to keep everyone safe from danger. It would be dangerous to try and go around them by going slowly or even slowing down!
Taking corners too fast also increases your chances of having an accident because it puts you at risk for being hit by another vehicle or hit-and-run driver who has no regard for their own safety or yours. This could lead either way: either causing damage to your car or injuring yourself so badly that it affects how much money insurance companies will pay out when filing claims after an accident occurs due to someone else’s negligence (such as speeding).
Driving too slow in the middle lane
If you’re driving at a speed that is too slow for the conditions, it can be very dangerous. It is not uncommon for vehicles to travel at speeds of 5 miles per hour or less in the middle lane of highways, which means they will be traveling much slower than other drivers or vehicles on either side of them. This is especially true when there are two lanes available and an opposing lane has been closed by construction crews or road repairs. Such conditions make it extremely easy for other drivers not only to pass your car but also force them into an accident with yours due to insufficient space between both cars (the “middle”).
Not parking legally and safely
- Parking on a hill: You could be ticketed if you park in a no-parking zone.
- Parking on the wrong side of the street: If your car is parked at an intersection, it’s illegal to block someone else’s right-of-way. You’ll have to move your vehicle so that it doesn’t block traffic flow or create an unsafe situation for pedestrians trying to cross the street.
- Parking in a fire lane: If there are no signs prohibiting this type of behavior, then it’s up to police officers whether or not they will issue citations for doing so—and unfortunately, not everyone obeys these laws (or even knows about them).
Leaving things in view in your car
- Don’t leave valuables in your car. You should also avoid leaving anything in plain sight that could be stolen, including food and other items in the back seat or trunk.
- Don’t leave your car unlocked. Even if you’re only leaving it for a moment, locking the doors will help prevent unwanted people from entering and making off with your things without you knowing about it until after they’ve stolen them.
- Don’t leave your keys in the ignition. If someone were able to steal your vehicle while you were out of town, they would have no way of starting it up again—and this is an easy thing for them to do if there aren’t any other vehicles around!
The way you drive and the way you take care of your car can affect your risk of having a claim.
Driving while distracted is a major factor in car accidents. If you are distracted, you are not paying attention to the road and can lead to an accident.
The most common distractions include eating or drinking while driving, using your phone while driving (especially texting), and even singing along with the radio or talking with someone else in the car. All of these activities require your full focus on what is happening around you, which makes it difficult for drivers to react quickly enough when something unexpected occurs on our roads.
Car insurance companies are always looking for ways to reduce the number of claims their customers make. By taking care of your vehicle, you can reduce your chances of having a claim. This includes making sure all lights and signs are working properly and that no fluids have spilled inside the car.