Auto Insurance

Car insurance accident statistics

According to a recent survey conducted for a car insurance accident statistics more than 13 million motor vehicle accidents occur annually and also reveal the facts that on a average a well qualified driver will experience a minor accident once Or twice in every two months. The same driver driver is also said to be involved in 1 major collision in every 6-8 years.

Personnel injuries which occur

Car accidents can be life changing as they can lead to a disaster in a family and the fact is that they are one of the major causes in personnel injury. Even a minor accident can lead to severe trauma and in some cases can lead to a permanent disability and also can cause death. Even if a person has experienced a minor accident it must be thoroughly checked up by a qualified doctor. Much time’s the injury symptoms may not reflect immediately but as time passes they may start to resurface. So it is better to be equipped with proper medical documentation to back up the claims if symptoms start to hinder in day-to-day life. The trauma brought about from an accident can result in pain and suffering of the person and can also lead to emotional distress by him and his family. In addition to this he has to loose his wages during the treatment period as he may not, be in position to go to his work and the burden of the medical debts & property damage will haunt him more.

Disabling injuries

These numbers include over 8 million non-fatal accidents through out the world. Non-fatal accident does not mean that it did not lead to a serious injury. And around 2 million injuries render the vehicle occupants disabled. The below statistics from a recent survey show the claim gained by the person who met with a car accident

Around 63-66 % people who are injured get paid by the individuals car insurance company.

And the person who made the accident will pay about 55% of the people who are injured. However that person’s insuranbce company who made the accident covers this.

The injured person’s health insurance company pays around 36 % of the insurance.

Government programs like LIC in India pay for the injured person in some cases which results unto 20 %

Workman’s compensation will also pay around 19-21 % to the individual who gets injured during the accident

In some rare cases sometimes the injured person gets the financial support from two or more sources for his treatment cost.

Car insurance accident statistics

Car accidents cause thousands of deaths every year and the main victims in these cases are teenagers who drive recklessly and some middle age people who drive in the influence of drugs or alcohol.

Here are some of the sobering car insurance accident statistics, which occurred in the year 2006.

2.6 million victims were injured by car accidents

And around 42,640 died due to the car accidents.

Driver caused fatalities were around 17,603, which were caused under the influence of alcohol and also drugs consumption.

And due to the car accidents 60,000 pedestrians died in the causality.

Compensation

All of these statistics constitute a need for financial compensation. Unfortunately, most car accident victims don’t ever collect the full amount under compensation. And very often it is because they don’t understand exactly how insurance works and so they accept the first offer that is offered by their insurance companies. The victims in these cases often settle for very less amount then their claim is worth. There are two-type of insurances

In the first party insurance case the person who takes this will be benefited when he is injured in an accident as he is given a compensation for his and his cars damage.

In third party insurance the person who takes will be benefited when he involves in an accident and the other person who is injured will be given from the insurance company of the person committed the accident.

Important information to be collected at the site of accident

Accidents happen quickly and at the accident site things seem very confusing and complicated. It is always important to protect one’s self from future problems, even while still at the accident scene regardless whose fault was there.

Take some time to collect the below said information to build an effective personnel injury case.

A driver name, his address, his contact number and most important is his driving license number along with the registration number of the vehicle.

The co passengers name who was traveling by that car with the offending driver.

Telephone number of the witnesses and the co passengers. Name’s and addresses of the registered vehicle owners.

Insurance company name and the policy number.

Car accident location with the land mark also.

And a brief description about the accident and must include the condition of the offending driver showing any signs of being under the influence of drugs or alcohol.]

Noting down the injuries and the damage to the vehicle will also benefit. And added to this if we can capture some photos of the accident it will be better.