The Most Common Causes of Auto Collisions

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During the Summer more people are on the road.  Traffic is heavier and we travel greater distances.  All of this extra time on the roads increases our chances of being involved in a collision.  Statistics show young drivers are more likely to have a collision but it doesn’t make the rest of us immune.  We share the roads with drivers young and old and we can all be affected by the mistakes of others.  ICC Collison Centers wants all of us to come back alive so here are some of the common causes of collisions.

Being distracted while driving

Cell phones, texting while driving, eating and passengers are all common distractions.  While some can be totally eliminated (texting, cell phone and food) others cannot, such as passengers.  If you have small children you know it is impossible to not be distracted at least a tiny bit.  Crying, temper tantrums or fighting amongst siblings is not something you can just ignore at will.  Sometimes the best you can do is pull into a safe location, address the situation and then resume your drive.  Cell phones, texting and eating while driving is easily avoided and there is never an excuse to do them while driving.  Remember it is not just you on the roads and if you have a collision chances are you will involve at least one other vehicle.

Taking risks

Ignoring traffic signals or speed zones, changing lanes without using signals or checking blind spots all are considered “risky behavior”.  The difference in risky behavior and distracted driving is choice.  You make a choice to drive in an unsafe manner whereas distracted driving is often the result of ignorance.

Speeding

Most of us speed occasionally but teens do so at a much higher rate.  Teens don’t have a good sense of how a cars speed can affect their response time.   On average teens drive faster than all other drivers as a whole.  In 2008 studies show that 37% of fatal crashes with 16-20 year old male drivers involved speeding.

Driving under the influence

As long as there has been cars on the roads there has been a problem with driving under the influence.  The laws nationwide have become harsher for drivers over the limit.  During the holiday season this is a major problem.  We all know when we have had too much to drink.  There is no excuse for anyone to get behind the wheel while intoxicated.  Call a taxi, a friend or a parent but do NOT get behind the wheel drunk….period!

Tailgating

Following too closely seriously reduces your response time.  It makes the driver in front of you uncomfortable and is an all-around bad idea.  If the driver in front of you has to break quickly chances are you will not have enough time to stop without colliding into the back of their vehicle.  99% of the time you will be deemed at fault and will be ticketed.  This is a common error teenagers make.  Statistics show female drivers between the ages of 16-21 are more likely to tailgate compared to drivers over the age of 22.

Driving drowsy

Driving when you are extremely tired can be as dangerous as driving under the influence.  During the holiday season when we are all on the go to family gatherings or company parties we are all tired.  Knowing when we are just too tired get behind the wheel can save not only your life, your passenger’s lives and the lives of countless others on the road.

ICC Collision Centers has several locations to serve you if you do have a collision.  Our goal is to not only be here for you if you vehicle needs repairs but to educate you in the common reasons collisions happen.  If we all take a few moments before we get behind the wheel to determine if we are ready for that trip we could save thousands of lives.

ICC Collision Centers wants you to know the dangers of driving at any time of the year.  Do your part this summer season to make our roads a safer place.  Pay attention and always be alert!

ICC Collision Centers

3131 Standard Avenue

Santa Ana, California 92705

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What determines whether or not your car is a total loss after an accident?

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Have you been involved in a car accident and unsure of how much damage was actually done to your vehicle?  Your insurance company will send an appraiser out to assess the damage for repairs but if the damage is great, you may have a totaled car on your hands.

What does a totaled car mean?

It means the damage is so severe; it will cost your insurance company more money to repair. Insurance companies aren’t going to spend more money than they have to so if your vehicle’s repairs cost more than 70% of the value of the vehicle, they will most likely total the car. Older cars are especially prone to being totaled in an accident as replacement parts can be difficult to find or worse yet, expensive. There are also other factors in totaling a car such as damage to the vehicles frame. The force of impact in an accident can do structural damage to a car and cause the frame to twist or buckle. Your insurance company may determine that structural damage to the frame is too great to repair and therefore the car is a “total” loss.

In these instances, it is important that you take your vehicle to an experienced and reputable collision center such as ICC Collision. We have years of experience in collision repair and we’ll work closely with your insurance company to make sure all repair are performed to put your vehicle back to factory specifications.

When you have your car taken to one of our collision centers, you can rest assured that we are on your side to make sure the insurance company can assess the damage and offer the best scenario to get you and your car back on the road as soon as possible.  If your car is totaled you will then be paid by your insurance company and you can then begin the search for your new ride.

If your car is not totaled, we will have our trained technicians working on getting you back in the driver’s seat and safely back on the road.  Contact ICC Collision Centers at one of our Four Locations in California and Arizona.

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Car Accidents in the US. Top 3 Causes

Barbie distracted while driving

Now more than ever before, Americans are on this search for pretty much everything. Excessive multi- tasking is more typical today than it has ever before been in history. With more people using email, texting, phone calls & the massive shift toward relentless communication, individuals seem to be in a rush to get everything done in a more efficient manner. However when you are considering driving, it is never been more valuable to simply slow down for just a second and breathe. Your life, safety and also the lives of other people all depend on you to make a good choice while behind the wheel of a car.

CAR ACCIDENTS IN AMERICA: TOP 3 CAUSES

Car accidents are a serious epidemic in the United States. Roughly 10 million people get in at least one car accident annually. It is also the major cause of death for teens in The usa according to the CDC and Prevention. There is no denying that car accidents cause needless injury & death, as well as devastation each and every year.

  1. Driving Drunk

Driving under the influence is one of the most harmful behaviors on the road today. Over 1.41 million drivers were arrested in 2014 based on mere suspicion of DUI. MADD aka Mothers Against Drunk Driving – has estimated that 300,000 occurrences of driving while intoxicated occur daily. It goes without saying that driving while intoxicated is hazardous and negligent. Crashes that occur by way of drunk driving are totally preventable. Play your part in protecting yourself and others by continually designating a sober driver with plenty of forethought. Pre-pay and arrange for your taxi or uber ride before even deciding to go out. Just as well, hid your friends’ keys if you suspect they might be too intoxicated to drive.

  1. Speeding or Driving Above the Speed Limit

Every little thing around us is based on the lure of quick convenience. Drive-thrus, ATMs, as well as corner stores are a few examples of society’s need to be speedy and fast paced. Howeverwhile on the road, speed is undoubtedly deadly. Speeding is among the most prevalent causes of car accident today, according to the U.S. DOT. Speeding contributes to about a third of automobile accidents in America. Give yourself enough time to get where you need to be and simply SLOW DOWN. It is not worth saving Ten minutes for the potential risk of a car accident where you or another driver could potentially lose their life.

  1. Driving While Distracted

Driving While Distracted continues to be the number one leading cause of car accidents in the United states. Talking on the phone, reading, eating, texting and talking are only a few of the ways drivers get distracted when driving. Drivers who use a hand-held device are 4 x more likely to get into a car accident than drivers that pay attention to the road they are driving on. Individuals who text message while driving are 23 times more likely to get into an accident. Do not risk your safety or the safety of others. Put everything down and take notice to the road ahead. It is truly the most important thing that can be done today to lower your risk of getting yourself into a car accident.

Car Insurance Laws & Regulations in California

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The state of california is what they call a “Fault” Car Insurance State

California uses a “fault” method when it comes to car insurance as well as the kinds of solutions available after a motor vehicle accident. Basically, there are not many restrictions on the choices of anyone injured in an accident, when it comes to going after an insurance coverage claim or taking legal action against those who are legally at fault. Following a car accident in CA, if you have suffered a physical injury as a driver, passenger, or pedestrian, you are able to take one or more of the following steps in looking for ways to get reimbursed for your losses (doctor bills, lost earnings, damage to property and more
• file a claim using your own insurance policy
• carry on with the claim through the at-fault driver’s insurance provider, or
• file a PI lawsuit against the at-fault driver exclusively

Please Note: While living in a no-fault car insurance state, a driver that has been injured in a accident must rely on their own auto insurance company for payment of issues such as medical bills or lost income, regardless of exactly who was at fault for the accident. Remedies against the at-fault driver are super limited, but are possible if certain thresholds are met. California drivers do not need to worry about these no-fault rules.

Minimum Auto Insurance Requirements in the state of California

California law requires liability insurance coverage — at or more than minimum dollar amounts. This applies to and for any motor vehicle operating on the roads in this state. This insurance is meant to compensate other drivers/passengers for damage to property or personal injuries just in case an accident occurs. The minimum amounts of coverage required under California law are:

• $15,000 for injury / death to one person while driving a motor vehicle
• $30,000 for injury / death to multiple people, and
• $5,000 for property damage

Keep in mind, this is actually the bare min amt of liability coverage required under the laws of the state of California. You should always try to carry more coverage. A Simple justification to carry more coverage that that is required by law, is if you are at fault on an accident, your insurance will only cover you up to the maximum that is state on your policy. As soon as the limits of your policy are exhausted, you will be left personally responsible for paying the rest of the damages to the vehicle in question..

How to comply with the State of California’s“Financial Responsibility” Requirement

To meet California’s minimum insurance responsibilitys, the overwhelming majority of motorists in California will certainly purchase a car policy providing you with liability coverage equal to or in excess of the min needs. But California actually does allow vehicle owners to choose a couple of other approaches of adhering to the state’s financial responsibility laws and regulations. Rather than purchasing a qualified insurance plan, vehicle owners can:

  • Deposit cash in the amount of $35,000 with the CA DMV
  • Obtain a self-insurance certificate from the CA DMV, or
  • Obtain a $35,000 surety bond from an issuer that is licensed to do business in the state of California.

Uninsured/Underinsured Coverage is simply Not Required in California

California doesn’t require motorists to carry underinsured motorist coverage or uninsured motorist insurance, but it is a really great idea to understand more about these coverage options and the kinds of protection they offer.

For more info on automobile insurance policies and laws in the state of California, see Insurance Requirements for Vehicle Registration from the California Department of Motor Vehicles. 

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What to expect from you car insurance after a total loss

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After an accident, dealing with car insurance and a totaled car can be quite stressful. Knowing how to approach your insurance company and being familiar with what to expect can be very helpful. Being forced to replace a totaled car is especially difficult if you leased or even financed the automobile.

Reasons Your Automobile Can be described as Total Loss

You can find three explanations why your insurance provider would think about your car a complete loss:

  1. It can’t be repaired safely
  2. You live in a state where the loss is a total loss due to cost of damage.
  3. The vehicle’s worth is less than the repairs.

For an insurance company to arrive at the decision your vehicle is a total loss, they ask their claims insurance adjuster to make an estimate of the cost of the damages, combined with the estimate, how old the car is, it’s mileage, it’s pre-accident body condition, plus any pre-accident improvements. Then your adjuster finds similar makes / models that re for sale in your same location and takes the total loss estimate, compares it along with the cost of other vehicles like yours, checks the KBB value, & comes up w/ the Real Cash Value of your automobile. You can ask the adjuster for the specifics of the estimate and if you feel your automobile may be worth more, try to find a more suitable match.

Will the Insurance Company Replace My Car by giving me a New One?

Not unless your business provides Guaranteed Rc coverage for brand new vehicles in that case your payment will cover the cost of a brand new car. If you don’t have this kind of coverage, your insurance provider is only forced to pay out the specific cash value of your vehicle minus the collision deductible. This cash amount will probably be enough to buy a car just like your other one.

Will I Get issued a Check for the entire Amount?

If you own the car, you will receive payment within a few days if not it will depend on if you have a car that is leased or financed.. If the event the car is leased, the entire amount goes to the leasing organization. If you financed the vehicle, the total amount owed on the car will go with them and the rest goes to you. If your insurance policy gave you a short-term rental-car, ask to your adjuster how long it will be possible to keep the rental before having to buy a new car.

What If I want to Keep and Repair the Car on my Own?

Sometimes because of sentimental attachment, people desire to keep & repair their cars after the collision. In cases like this, a number of factors, the adjuster must consider before the owner obtaining the car. Many of these factors include is this permitted by state regulations, then the salvage yard is contacted to check out what is the fair market value on the car. Once the fair market value is determined, this amount gets subtracted from your pay out; you get your automobile back with the remainder of the settlement plus a salvage title. The salvage title will not permit you to register your automobile until you make all the repairs.

The price and stress of fixing a damaged or totaled vehicle can be devastating. Understanding what the language of your insurance policy is regarding totaled cars and knowing state laws should make the experience a little more bearable.

ICC Collision has 4 convenient locations to serve you.  If you are interested in getting an easy online estimate of damage, feel free to use our online estimate tool.  Once your information is received, we will review it and contact you with a quote.

For more information, Contact ICC Collision Centers by clicking the picture below:

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