When we think about just how many people are involved in crashes on our streets it is clear that vehicle insurance mustn’t be viewed as an optional extra. We will be able to survive without that stylish sunroof, the high quality sound system, even without air-conditioning and power steering. These things can quickly add a substantial amount to the sales price and subsequent month-to-month premium of your vehicle; for that reason they are, as the phrase suggests, optional.

Vehicle insurance mustn’t be viewed as an optional extra. With the amount of crashes it’s crucial that all vehicle owners are appropriately insured while driving.

What are some of the main factors behind road crashes?
Drunk driving. Everybody likes to unwind and have a good time socializing with good friends and loved ones. When we are under the influence of alcohol after such a get-together, it’s not recommended that you get behind a steering wheel. Tests have proven that drinking impairs judgment and also impacts negatively on reaction times. When a car suddenly stops in front of you, it will probably take longer than usual for this information to be relayed by your brain, resulting in insufficient time to respond and avoid the accident.

The wear and tear of our streets. A great deal of our streets are poorly maintained. or otherwise looked after at all! How often do we listen to the traffic report on radio and then hear about the same pothole at the exact same 4 way stop resulting in the same mayhem as the week before? A sizable pothole can cause severe harm to your vehicle’s rims, tyres and even the suspension. In the event that a person don’t have vehicle insurance coverage this will have to be fixed out of your own wallet. And some serious accidents have been brought about by drivers trying to swerve out for a pothole and then winding up in the oncoming traffic!

Careless driving. Don’t you often question how a lot of people managed to get their drivers licenses to begin with? I often feel that people think that the rules of the street only apply until you have your license – thereafter you can drive just as you want to! A number of individuals overtake other vehicles in the yellow lane, ignore red robots and stop streets and are entirely ignorant to the speed limit! Add to that road-rage in peak hour traffic and you have a guaranteed recipe for disaster!

Un-roadworthy vehicles. We also see this every single day. Some cars are so dilapidated that they would fit in much better on a pile of scrap metal! Quite often such vehicles don’t even have adequately functioning indicators or lights. Visualize driving at high speed on the road in the evening and the motor vehicle in front of you does not have lights – you will not be in a position to notice this vehicle until eventually it’s too late! And isn’t it strange that these un-roadworthy cars are often totally overloaded with anything from suitcase sets to mattresses and chickens on the roof?

The list of causes continues on and on. When you get into your vehicle, you are vulnerable. Make sure you are covered in case of an accident and acquire out vehicle insurance the instant you buy your vehicle!

For more information about vehicle insurance, please visit our website on http://www.payasyoudrive.co.za