Auto Insurance: Most Common Types of Car Accidents

For personal and commercial auto insurance, Calgary residents and businesses owners have relied on Bow Valley Insurance for nearly 35 years. We have access to several leading insurance providers in the business, and by working with our insurance brokers, Calgary drivers get the best insurance coverage at the lowest possible rates. If you’re ever get involved in an accident, you’ll rest easy knowing your auto insurance will pay for repairing your vehicle and get you back on the road quickly.

While driving defensively is one of the best ways to avoid a collision, it’s also important to know how and where the most common types of car accidents occur. At Bow Valley Insurance, one of our highest priorities is to help you protect yourself and your family. Here we discuss the most common types of car accidents and how to avoid them.

The most common types of car accidents generally fall into one of the following six categories:

  • Lane departure collisions (including head-on collisions and accidents that result of when a vehicle runs off the road)
  • Accidents at intersections (including rear-end collisions, angular and side-impacts)
  • Accidents with pedestrians and bicyclists
  • Accidents involving animals
  • Rollovers (not as common, but often lead to more severe injuries and increased fatality)
  • Secondary collisions (that happen after an accident occurs)

Auto Insurance Tips: Preventing Lane Departure Collisions

The greatest risk of head-on collisions exists on roadways where drivers travel at high speeds and where there is no median or separation from oncoming traffic. Medians reduce this risk by approximately 70 per cent. Asphalt safety zones along the roadside, also known as hard-shoulders, also reduce the risk of head-on collisions caused by over-corrective steering. Use extreme caution when travelling on a high-speed road with no median.

Best Ways to Avoid Accidents at Intersections

Approach intersections slowly, scanning in both directions. Always allow plenty of stopping distance between you and the vehicle in front of you, and keep an eye on your rear view mirror. Many accidents are caused at intersections when drivers fail to pay attention and are following too closely.

Preventing Collisions with Cyclists and Pedestrians

Remember you share the road with pedestrians and bicyclists! Always slow down as you pass bicyclists, and give them plenty of room if you can. Make sure to make eye contact with a pedestrian you believe is waiting to cross the street. If they’re not trying to cross and you make eye contact, many pedestrians will gesture for you to go ahead. If they’re trying to cross, always give them the right-of-way.

How to Avoid Hitting an Animal

According to the Insurance Institute for Highway Safety, over 1.5 million accidents involve hitting a deer and result in over $1 billion in vehicle damages annually. Deer are typically active at dawn and dusk and during these times reduce your speed in areas where deer are present. Reduce your speed during nighttime driving and remember that although using your high-beams will help you see farther ahead, they can also blind an animal, causing it to freeze in the middle of the road.

Auto Insurance Calgary: Tips to Prevent Rollovers

The forces that develop when a vehicle is turned shifts its center of gravity, affecting its balance. Rollovers often occur when a driver makes a turn too sharply and then overcorrects in the other direction. While an SUV, pickup, or van is at higher risk of rollover because the center of gravity of these vehicles is higher, any vehicle can experience a rollover given the right conditions. The best way to avoid this type of accident is to reduce your speed and watch far ahead down the road. Be prepared for any eventuality.

Avoiding Secondary Accidents

Alerting other drivers that an accident has occurred is the best way to avoid secondary accidents, so always carry a flashlight and flares in your vehicle. Never move the injured unless they’re at risk of being hit by oncoming traffic and place safety flares at least 50 yards in front of the accident to alert other drivers. Never shine a flashlight directly toward an oncoming vehicle; however, the moving beam of a flashlight is an excellent way to get a driver’s attention.

Bow Valley Insurance: Your Insurance Brokers

At Bow Valley Insurance, our brokers work for you, not an insurance company and we save you valuable time by shopping the major insurance providers for you. We’re experts at accessing personal and business risks, and based on your circumstances, we know which companies offer discounts you’re eligible for. Once we determine the companies that best meet your auto insurance needs, we provide you a free rate comparison that allows you to choose the coverage that’s just right for you!

Request your Auto Insurance Quote today – we’ll get you covered by the best insurance at the lowest possible rate.