Why You Need Car Accident Insurance

car accident insurance
In the last two decades, there has been a positive trend when it comes to car crashes and deaths. They have been steadily declining thanks to awesome breakthroughs in automobile technology, and greater safety awareness for the most part. However, in recent months, the “stats” have somewhat reversed, and the trend is rising, not only for accidents but vehicle-related deaths. The principal culprit here seems to be the dreaded duo of driving while on the phone and even worse, texting while behind the wheel. This is why you need car accident insurance and more insurance protection. Let Praetorian Insurance Company help you get the right coverage for your vehicle at the cheapest rates. Get your free on-line quote now.

Accident Auto Insurance Provides further protection
In the new world of distracted driving, you should consider getting better ins coverage, this doesn’t mean you are less of a good driver, rather it is crucial you protect yourself from those who aren’t. You especially need to watch out for those who have no insurance whatsoever by getting an uninsured policy. Why you should get auto accident insurance:

* You have money invested in your vehicle and it is not a small amount and need to protect that investment.

* You are leasing (not recommended) your car or have a bank loan and are required to have extra coverage.

* You cannot afford to lose your car if it is totaled and would not have the money to replace it.

* You need extra peace of mind.

* You need protection against uninsured motorists.

Having the proper auto accident insurance will protect you from a financial disaster in the event you are hit, and your car is totaled. While this coverage does cost more than basic liability insurance, it can pay off in the long run if you get hit and need to file a claim. There are more people on the American roads than ever, and this only increases your chances of getting into a crash. Recently published information by the NSC or National Safety Council, notes an increase in driving due to lower gas prices and the high rate of unemployment. To put it simply, there are more people on the road instead of at work. Besides, recent extreme weather conditions in the last year have lead to more weather based traffic incidents.

There is one new factor that is playing a larger role in accidents than most driver safety analysts ever expected, the dreaded cell phone. In the last several years, most states have passed laws banning the use of cellphones while operating a motor vehicle, this includes sending texts, checking messages and talking while driving. Despite these new laws that were put in place, there are more people than ever ignoring them and putting other motorists at risk. Distracted driving accidents have increased year by year as people will not put these devices down when they drive. This carelessness is not only killing people but raising the costs of insurance for everyone. In the last quarter of 2015, both Allstate and Geico announced they were raising insurance rates, based in large part to an increase in claims, resulting from distracted driving. You may not be able to save 15% from Geico much longer after all. These big insurers maintain austere profit margins, and when they are squeezed, they raise rates by passing on higher costs to the consumers.

collision and comprehensive
Protect Yourself with Collision or Comprehensive Coverage
The best and recommended way to protect yourself from a financial catastrophe that results from a car crash is to get the right kind of insurance protection; this means getting covered adequately with a collision or comprehensive plan. Collision insurance will compensate you for damage done to your vehicle even if you were at fault. So if you back into a pole at 7-11, because you were distracted while sucking down a “Slurpee”, don’t worry, this type of ins protection will cover you. If you want even better protection against all kinds of accidents, then you are going to need comprehensive insurance, this will provide reimbursement to just about anything that could happen to your vehicle other than a car crash. Typical occurrences where this coverage comes in are: floods, fires, trees falling and causing damage, thefts, and vandalism. Get quoted today with Praetorian auto insurance and save up to 45% with a fast rate quote.

Get Cheap Car Accident Insurance Online
Getting cheap auto accident insurance is easier than ever. Just go online and in a few quick minutes, you can compare 10 or more quotes. At Praetorian insurance company, we search the web for the best deals for the coverage you are in need of. We do the difficult and hard work for you and even help you find discounts that you qualify for. Get your no obligation quote right away and see how much you can save.