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.

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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How will a collision affect my insurance policy premiums?

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The fear that auto insurance rates will automatically increase is the main reason why most drivers are hesitant to file an auto claim after a minor accident.

In reality, this is not always what happens. Your car insurance company determines if car insurance rates will go up as well as by how much.  This all depends on the circumstances of the particular accident, as well as whether accident forgiveness is on your policy.  Nobody really can tell exactly how an accident will affect their auto policy rates, the information below may allow you to get a bit of insight and predict the outcome.

Rates Based on Collision Specifics:

When determining how a collision can and will affect your auto policy rates, these are just a few of the factors they are likely to consider:

  • The severity of the incident. Damage from a car accident can range from a simple scratch or dent in paint to the car being totaled.
  • Larger quantities of destruction are likely to lead to a greater rate hike, or surcharge, because the insurance company must come up with a larger payout.
  • The at-fault driver. In many cases, your car insurance rates will go up if the accident is your fault, but remain the same as long as you can prove that the accident was the other driver’s fault.

On the other hand, certain exceptions apply, including but not limited to the following:

  • Quite a few companies will yet still raise your premium BC you are statistically more likely to get into yet another automobile accident, showing more risk for your company.
  • If you live in a no-fault state, both parties insurance agencies are required to pay for some of the costs, and your premiums will probably go up regardless of who caused the auto collision.
  • Your worthiness to the company. Safe motorists are less costly for auto insurance companies to cover.
  • If you have a long reputation of safe driving and you’ve been using the company for any long period of time, you are less likely to see dramatic spikes in your monthly fee than someone who has a very poor record of driving with many accidents..

Some businesses also provide accident forgiveness for safe drivers with a clean history. This simply means that your first accident won’t result in rate increases.

Accident Forgiveness

Many companies provide accident forgiveness to customers with great driving records.  A car accident forgiveness program usually allows great drivers to experience 1 collision without suffering the consequences of an increased premium after the claim, despite fault.  Check with your vehicle insurance carrier to see if they offer this type of program.
The Importance of Filing a Claim
Should you get into an accident, your vehicle is stolen, or another incident happens, don’t automatically steer clear of filing a claim BC you think your car insurance rates will go up.
An increase in your vehicle insurance rates are not necessarily permanent. Some companies raise your rate for the time being, but allow it to drop every year that you do not get yourself into another collision. Within a few years, your insurance costs can go back to their pre-accident rates.
Consider your company’s policies as well as the accident details to decide whether you wish to file a claim. Keep in mind that filing a claim allows you to:
• Tell your side of the collision story.
• Have your insurance company check out the accident.
• Use your coverage to pay for either your car or the other end of the accident’s party’s injuries or damages.

Regardless of you rates, getting into a collision is very serious, especially if your vehicle has been damaged and has become a hazard to drive.  In this case, you will need to call a reputable collision center such as ICC Collision.  We have trained and certified technicians to assist you with the insurance process as well as the process of getting your vehicle fixed.

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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