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If you're involved in a car
accident in the United Kingdom, or anywhere for that matter, there may
be reasons that contributed to the mishap. For example, most car
insurance agents will warn that inclement weather, which can hinder the
conditions on the road, is a contributing factor to many road accidents.
In the UK, drivers are warned to take extra care when driving in
inclement weather. Motorists must remember that they are not driving
under normal conditions. Keep in mind, avoiding accidents will certainly
help keep your car insurance premiums down.
Another factor to consider whilst driving is that accidents involving
cars are more prevalent on Fridays in the UK, particularly in the
afternoon. This may be because Friday leads into the weekend, and many
UK residents are rushing to leave for holiday. The Accident Exchange
also reports that many claims are filed during the month of November.
These accidents occur mostly on Friday afternoons. Another UK survey
reported that many accidents occur on short trips during the busiest
time of the day. This is because there are more cars on the road, and an
incident is more likely to occur. In addition, most accident are likely
to occur close to a driver's home.
Interestingly, another major reason for car accident claims in the UK
is the use of electronic devices like Ipods, cellular phones and other
devices. To avoid a road mishap and keep concentration at peak, drivers
should leave text messaging or Ipods out of their hands whilst driving.
In addition, if a driver is on a long trek, fatigue can set in making
concentration less reliable. Taking breaks on long trips is quite
advisable. Men distracted by attractive women they see whilst they are
driving is another common cause of road accidents, believe it or not.
Since men in the UK account for a large percentage of drivers on the
road, this is a major issue in the insurance world, and insurance
companies do not usually take attractive women into account when a road
Most accidents that occur in the UK must be justified by the driver's
insurance company before they will pay. Furthermore most likely any road
accident will affect a driver's record, putting them at a likely risk of
paying higher premiums. Unjustified insurance claims for reasons that
apply to driver's fault are on the rise, and insurance companies are
taking note and are carefully examining every claim.
For as much protection a UK driver can have, knowing when accidents are
more likely to happen and taking precautions is a worthwhile tip. Also
shopping around for insurance companies that offer the most flexibility
is also a good tip. By shopping for an insurance company that offers the
most coverage at the best premiums possible, driver's are likely to save
a good deal of money.
To make sure premiums are as low as possible, other tips include making
sure the car you drive has a record for decent mileage and is protected
against theft. If you are a professional, you might find that you can
reduce your premiums, if you can prove you are a responsible driver. If
you're a younger driver, you might find adding an older adult to your
policy will help. Keeping a car in good condition by having regular
maintenance is recommended, because this help ensure that the car will
not break down on the road, which could likely cause an accident. Also,
by paying a higher excess, you might find lower car insurance rates.
By all means, keeping your driving record clean is one of the best ways
for an insurance company to believe that you are a responsible driver
and reward you with lower rates.
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