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9 years ago · by · 0 comments

Three Seconds for Safety

Rear-end collisions are the most common accidents between vehicles.1 They occur when drivers do not have enough time to perceive and react safely to slowing or stopped traffic. Increasing your following distance can help give you time to react when someone brakes in front of you.

The Three-Second Rule

Increasing the distance between you and the car ahead can help give you the time you need to recognize a hazard and respond safely. The National Safety Council recommends a minimum three second following distance.2

Determining the three-second gap is relatively easy. When following a vehicle, pick an overhead road sign, a tree or other roadside marker. Note when the vehicle ahead passes that marker, then see how many seconds it takes (count 1-1,000; 2-1,000; 3-1,000) for you to pass the same spot. If it is not at least three seconds, leave more space and increase your following distance.

Think of following distance in terms of time, not space. With a standard of 2.5 seconds, highway engineers use time, rather than distance, to represent how long it takes a driver to perceive and react to hazards. The National Safety Council also uses this standard (plus a little extra for safety) when recommending the three-second rule for following distance.3

Sometimes Three Seconds Is Not Enough

The three-second rule is recommended for passenger vehicles during ideal road and weather conditions. Slow down and increase your following distance even more during adverse weather conditions or when visibility is reduced. Also increase your following distance if you are driving a larger vehicle or towing a trailer.

Distractions, such as texting, reaching for a drink or glancing at a navigation device, also play a role in rear-end collisions. Even if you use the three-second rule, you may not have time to react to a hazard if you are distracted. It is another reason why you should avoid distractions while driving.4

  

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10 years ago · by · 0 comments

Should you drop collision coverage on your old car?

Scurich Insurance Services, CA, Car accidentScurich Insurance Services, CA, Easter Egg HuntScurich Insurance Services, CA, Car accidentScurich Insurance Services, CA, Old car

We’re often asked when is a car so old that it’s no longer a wise investment to continue buying collision insurance for it. The answer depends on your individual situation.

First, what’s the true worth of the car? Any repair or replacement costs following a collision will be based on the value of the vehicle at the time of the claim. Also consider your deductible amount. For example, if your car is now worth $2,000 and your deductible for collision claims is $500, insurance will pay no more than $1,500 for your loss.

Once you’ve estimated the maximum that your policy is likely to pay for a collision, ask yourself whether the value of the car would create a significant financial hardship if it were totaled in an accident without insurance. Is the cost of collision coverage reasonable, considering the maximum you can receive at the time of a claim? Don’t forget peace of mind — if dropping collision will make you lose sleep at night over a possible loss, it’s better to keep your coverage and get some rest.

If you’re considering whether it’s still worth insuring your older car for collision, call our personal auto representatives. We’ll be happy to review your current coverage, give you the book value of your vehicle, and estimate the changes in cost of your insurance if you make any changes. Let us help you make the best decision.

Content provided by Transformer Marketing.

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Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

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(831) 661-5697

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