We all know that things happen, and accidents happen. You have heard it said, "Nobody's perfect." Or, "We all make mistakes."
In insurance, we understand that accidents and losses occur. Many clients will say, "That is why I have insurance." All are true.
For a moment, let's think about accidents that are avoidable. Insurance companies have coverage rates based upon statistics. So, what about people that have more accidents than others. Are they unlucky? Well, not always.
We can do things to lower our own accident rates. We all know that we shouldn't text and drive. If we do, then we increase the chances of accidents. What about speeding and weaving in and out of traffic. Yes, more accidents happen around aggressive drivers. I would encourage you to think about your auto insurance and your homeowners insurance for ways that you can prevent accidents.
Some results for avoiding accidents are based upon decisions. Eating and driving will increase your driving risk. This is called adding another hazard — that is the eating aspect!
What about the severity of a loss? I am old enough that I was around when wearing seat belts was not the law. We know that wearing seatbelts will reduce the severity of injuries in car accidents.
Think about working safely with power tools? You can improve your risk of accidents by better decision-making such as using safeguards. Safety managers call the clothing and equipment we can use: "PPE," or Personal Protective Gear.
Thinking about getting a new car today? There are available safety technologies in new cars. You can get lower auto premiums with the safety feature of automatic "computer braking" designed into some vehicles.
What do all these ideas mean to you and me? The take-away is: we can lower our risk of accident and injury by thinking about proactive steps that lower the odds of an accident. So, some accidents are choices because we can do things to prevent them.
Maybe you will think differently about the word "accidents" after today's article. See us at the Insurance Place of Orange Park, Inc (formerly the Pickering Agency), and we will look over your insurance needs with the same care that I described in this article.
Doing the right thing has benefits. We will take the care to do the right thing when looking out for your insurance needs. Call us today at (904) 272-4660 to speak with one of our professional agents.