Being a great driver means you drive within the speed limit, you follow all of the rules of the road and you don't make reckless decisions. Consistently driving carefully lowers your risk of getting into a motor accident significantly. If you fall within the safe driver category, congratulations!
You may be thinking that if you are a safe driver — someone whose risk of getting into an accident is low — you don't need vehicle insurance. Unfortunately, this is where you are wrong.
As much as we would like to believe that driving cautiously mitigates all risk, it doesn't. Even the best drivers can get into accidents sometimes. Factors like exhaustion, distraction, and even bad moods can affect anyone's driving.
Not only that, but there are a number of risks that people face while driving that are completely out of their control.
That being said, insurance is essential for everyone who owns a vehicle, regardless of how cautious or experienced of a driver they may be.
What risks do safe drivers face?
One of the biggest risks that drivers face are their own recklessness or mistakes. Thankfully, if you are a careful driver, this risk is significantly lower for you. However, there are several risk factors that have nothing to do with how experienced or cautious you may be.
When you are driving, you are only in control of your own actions. What everyone around you does is solely up to them.
You may have been taught to assume that everyone around you on the road is about to do something reckless. Being aware of all of your surroundings and having quick reflexes can alleviate some of the risks that other drivers pose, but sometimes, you only have a split second to react.
You don't even necessarily have to be driving for something to happen to your vehicle — someone can hit it while it's parked. Then, that person has to decide to do the right thing and leave you a note with their contact information, which, sadly, not everyone does.
Even the best drivers can fall victim to the weather.
Fog can obstruct your vision, making it difficult to see much of what's in front of you. If you fail to see a pothole, a sharp turn or even large objects like parked cars or trees, you could cause damage to your vehicle.
Rain can also create a dangerous driving environment. Heavy rain can obstruct or distort your vision, much like fog. Also, rain can cause slick roads. Even if you drive very slowly in rainy weather, a slippery part of the road can cause you to lose control of your vehicle and crash.
Your vehicle faces risks even when you least expect it. Although it's not pleasant to think about, crime can strike at any time.
People can cause damage to your vehicle by breaking into it. They may smash your windows or pry the doors open to steal what's inside, or they may even try to steal the vehicle itself.
Some people also do inexplicable things, like break headlights and taillights, slash tires and more.
Who knows why some people choose to commit crimes. The point is: it's out of your hands.
How TPAL can help
There will always be risks, like the weather or other people's negligence or malice, that are out of your control. One thing you can control is protecting yourself and your vehicle with insurance.
Transpacific can help you find a vehicle insurance plan that covers the risks that great drivers like you face. Contact us for more information.