In the United States, there are almost 135 million cars on the streets, roads, and highways every day, which means that there is often lots of traffic and chaotic commutes. As a result, the average driver will curse more than 30,000 times while in their life while in the car. In addition, and perhaps more unfortunately, there will also be a car accident every 14 seconds. While personal injuries are easily the most concerning aspect of car crashes and accidents, the hassle of getting a car repaired and back on the road quickly can make them stressful even when nobody gets hurt. Much of the stress that drivers have to endure after an accident, even if it is not their fault, is processing insurance claims.
For the most part, no two claims are exactly alike, and every situation is different. Because of that, insurance companies might have to offer several different options when it comes to the steps involved in the insurance claim process. While some might require that the driver goes into the office to sit down with an agent and discuss the accident, others might allow drivers to submit a report online, and only talk with someone if there is a complication or discrepancy. Whatever the case may be, different options make it easier for more drivers to get the coverage they need quickly.
According to a study released in 2008 by the Insurance Institute for Highway Safety, the average cost of car repair after an accident was more than $4,000. In the last few years, as cars and the technologies that they use have become more advanced, that number might be even higher. But, for the most part, drivers do not have an extra couple thousand dollars just sitting around to make repairs without making insurance claims after an accident. So they need to learn how to make claims quickly, and insurance companies should focus on processing insurance claims efficiently to provide the best coverage for their clients.
Fortunately, there are certain things that drivers can do to be safer on the roads, prevent accidents, and never have to worry about processing insurance claims. When drivers talk on their cellphone while on the road, they increase their chance of getting in an accident by a staggering 400%. And, though it only takes 4.6 seconds to write and send the average text message, that is long enough to drive the length of a football field while driving 55 mph, and taking eyes off the road for that long could have tragic consequences. Quite simply, putting the phone away while driving is the best way to prevent accidents and avoid both the inconvenient and tragic consequences that come with them.