(MotivateDaily.com) – The United States sees an average of 6 million accidents every single year. Nearly 3 million of those result in injuries serious enough to necessitate treatment in hospital. Perhaps even more frighteningly, up to 90 people die as a result of these accidents every single day.
While the numbers themselves are disturbing, what is really concerning is the fact that many accidents aren’t true accidents at all. Instead, they’re caused by drivers who either can’t or won’t drive safely, putting others at risk.
And your life and well-being isn’t the only concern, either. Even if you maintain a stellar driving record and never have an accident, simply living in cities with a greater number of bad drivers can impact your wallet by skyrocketing your insurance premiums.
Living In One Of These Cities Could Make It Harder to Get Insurance
Some insurers will also increase your rates if you live nearby or travel to work or school in certain cities. Being aware of whether you live in, or travel through, one of these can help you argue for better rates in some cases, especially if your record is clean.
These cities are the “worst offenders:”
- Boston, MA
- Baltimore, MD
- Worcester, MA
- Washington, DC
- Springfield, MA
- Detroit, MI
Ultimately, you may have a harder time shopping for a good deal if you live in or around one of these high-risk areas. But you may also be at a higher risk for an accident, full stop. Whether it be for a fender bender or a road rage incident, you should be prepared to have your insurance company on speed dial.
Ready to take action? Here’s how to ensure you have adequate coverage.
Consider Extra Uninsured Motorist Coverage
Not every driver on the road follows the rules or the law. Many of them may be underinsured or not insured at all. Protect yourself in the event you get into an auto accident by having adequate uninsured or underinsured motorist coverage incorporated into your plan. This can help pay for medical expenses and lost wages that your regular policy may not cover.
Purchase Maximum Collision Coverage
If you’re traveling into a high-risk area where drivers are careless, roads are bad and weather often plays a factor in driving, consider maximum collision coverage. This will help protect you in the event you’re involved in an accident. In densely populated cities like Los Angeles, CA, where there are several cars on the road, having good collision coverage can save you thousands in the event your car is hit.
Consider an Umbrella Policy
The main goal is to keep your insurance policy affordable and effective. But when you live in a city like Philadelphia, PA, where some of the worst drivers in the country are located, a policy that goes beyond the normal standards may be a good choice.
An umbrella policy gives you more coverage protection should you find another driver coming after your assets by suing you in court. This type of policy will secure your interests and bring peace of mind as you travel through a rough area.
While dealing with bad drivers is unavoidable, having good insurance coverage doesn’t have to be. It’s a security blanket that brings peace of mind. With a good auto plan in place, you can enjoy life as you venture out on the road.
~Here’s to Your Success!
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