Most individuals don’t go about their day thinking about the threat of car accidents, and that’s for the best. Car accidents are fortunately not an everyday occurrence. But it would be a mistake to never, ever think about them, as the reality is that you are quite likely to be involved in an accident yourself someday. Whether we like to admit it or not, the statistics are not on our side. Sooner or later, we’ll probably end up in an accident. And when that time comes, we’re going to want to know what we should do.
A car accident is more likely than you think
Insurance companies expect us to get into minor accidents with alarming regularity. They know that minor accidents like fender-benders are unavoidable in the long run. And, unfortunately, fender-benders aren’t all that we have to worry about. When it comes to dangerous accidents — the sort that can leave you injured, or worse — the numbers for California are not pretty.
Geographic hotspots and car accidents
When it comes to car accidents, not all cities and states are created equal. Where there are more people — and more cars — your risk of being involved in a car accident grows. The dense traffic and aggressive driving that is so typical in Southern California can make the risk of car accidents tragically high, says one Long Beach car accident lawyer.
So when you read statistics about car accidents, think about whether things are likely to be worse where you are. If you’re in Long Beach or Los Angeles or anywhere else with crowded roads and tailgating drivers, the unfortunate truth is that you should probably be more conscious of car accident risks than most people in other areas are. You should be aware of how to reduce the risk of car accidents, and you should be prepared to protect your legal rights and personal finances in the even that you are involved in a damaging accident that was not your fault.
Preparing for the risk of a car accident
The risk of a car accident is something that we just have to live with. But it’s also something that we should be accounting for when we make decisions on and off the road.
When you ignore the possibility of a car accident, you ignore your chances to reduce your risk and protect your rights. You need to be realistic about the risk of car accidents in your life, and you need to prepare.
That means investing in a quality car insurance policy that protects you and your vehicle. You’ll need basic collision coverage to drive legally, but your policy beyond that can look different in all sorts of ways. Work with an insurance broker or do your own research to make sure that you’re properly protected. You don’t want to get into an accident and then find out that your cheap insurance is leaving you on the hook for big expenses, or not properly representing your interests in mediation or in court.
Your car accident and your legal options
One of the most important things for you to know about car accidents is that you may be able to recover from them with the help of an attorney. If you are injured in an accident because of someone else’s negligence, you may need to stay in the hospital or get physical therapy. Your medical bills will mount, and you will lose income because you’re not able to work as often or as effectively as you once were.
If you ever find yourself in this situation, you should turn to an expert car accident lawyer. A personal injury attorney who specializes in car accidents may be able to help you file suit and recover your financial losses from the party that was actually responsible for the accident. Never consider taking action alone, as a specialist knows the process and the steps required to ensure that justice is served.