AUTO ACCIDENTS
  • HOW TO AVOID THEM
  • HOW TO SURVIVE THEM
  • WHAT TO DO IF...
    Over 33.9 million automobile accidents occur annually, killing more than 47,000 people and injuring another 5.4 million. Your chances of being involved in an automobile accident at least once during your lifetime are quite realistic. But there are a few steps you can take to make that less probable.
    • Be Watchful for Dangerous Situations
    • Adapt to Poor Road Conditions
    • Learn How to Recover from Skids and Blowouts
    • Know How to Use Your Brakes
    The safety tips below will help you spot potentially dangerous situations; show you how to improve your chances of surviving a crash; and provide pointers on what you should do if you're involved in an accident.
  • You Can Spot
    Potentially Dangerous Situations

    You can spot potentially dangerous situations: By keeping a few safety tips in mind, you can increase your chances of avoiding an accident.
    • being prepared --- Watch carefully what's happening on the road ahead of you so that you can be prepared to take evasive action if necessary to avoid an accident. A good rule of thumb is to be looking about one block ahead at city driving speeds and about one-fifth of a mile ahead at highway speeds.
    • keeping a safe distance --- Keep enough distance between your car and the one ahead of you so that you can always stop safely. Experts advise determining the safe distance by using the following method:
      • Watch the car ahead of you as it passes a reference point, such as a shadow on the highway.
      • Then count "one-thousand-one, one-thousand- two." If you pass the same spot before you finish counting, you're following too closely.
    • avoiding tailgaters --- Get out of the path of tailgating drivers whenever possible. If you're driving on a multilane highway, slow down and allow the other driver to pass on your left.
    • being aware of distracted drivers --- Be careful of drivers who are talking or looking frequently to the side since they may make sudden movements.
    • looking out for parked cars --- Observe cars parked along the roadway. They may not see you and might suddenly drive out in front of you. Or, they may open the car door into your path, or step out in front of your car.
    • keeping away from erratic drivers --- Stay out of the path of a car that is weaving --- the driver could be drunk or sleepy.
    Watch for poor road conditions: When the weather is bad --- raining, snowing or icy --- it will take you longer to stop, it may be difficult for you to steer your car, and your visibility will be cut down. You can help reduce your chances of having an accident by slowing down, leaving extra space between you and the car ahead of you, and keeping your windshield clear.

    Here's how you can recover: If your car skids, a tire blows out or your wheels drop onto the shoulder, knowing how to react could save you from injury. Here are a few pointers to help you recover ---
    • from a skid --- Don't panic and don't touch the brake pedal. Take your foot off the accelerator, keep a firm grip on the steering wheel and steer the vehicle in the direction of the skid. This technique applies to both front- and rear-wheel drive cars.
    • from a blowout --- React as you would in a skid. Remember that saving yourself is much more important than saving the tire.
    • when your wheels drop off the pavement and onto the shoulder of the road --- if the shoulder is only slightly lower than the pavement, recovery should be easy. After you have eased off the gas, steer so that your car straddles the pavement's edge. Then turn the steering wheel until the right front tire is on the pavement's edge and countersteer as necessary to steer straight down the roadway.

      If the shoulder is much lower than the pavement, be extremely cautious. In general follow the pro- cedures noted above. But, if the front tire rubs against the side of the pavement, DO NOT increase the angle of steering --- with too much angle, your car may jump back onto the roadway with such force that you will veer into another lane before you are able to bring the car under control. Instead, ease off the gas and try again until you find a spot where you can re-enter the roadway safely.
    If you need to brake to avoid an accident: Avoid slamming on the brakes --- the wheels could lock up and the car could skid. Instead, "squeeze" the brake --- apply pedal pressure, then release the brake slightly and "squeeze" the brake again. This method will help you maintain steering control and may help you dnve around the problem if there is not enough stopping distance.
    A FEW TIPS
    TO HELP YOU SURVIVE AN AUTO CRASH

    While we all hope that we will never be involved in an auto accident a little preparation can make your chances of surviving a crash much better than average.
    • Seat belts limit your risk: Always wear your seat belt. And make sure that your passengers wear theirs. The National Highway Traffic Safety Administration (NHTSA) says that lap and shoulder belts can reduce your chances of being killed in a crash by 40 to 50 percent. Seat belts help for two reasons:
      • They allow you and the car to slow down together. educing the possibility that you will be propelled forward—into the dash and windshield.
      • They also keep you inside the car. Nearly 25 percent of fatal accidents involve ejection from the car.
    • Air bags add extra protection: Consider equipping your car with air bags. NHTSA studies show that air bags alone can reduce the chance of a fatal crash by 20 to 40 percent And when air bag protection is combined with seat belt use the risk of a fatal crash can be reduced to 45 to 55 percent.
    • Child restraints are a good safety tip: Many states require that children be seated in approved child restraints. Whether it is the law or not using a specially designed child restraint is a good idea:
      • a rear-facing safety seat for infants less than 20 pounds;
      • a forward-facing seat for larger babies and toddlers;
      • a booster seat with shield or harness for children who have outgrown their safety seat; and
      • lap and shoulder belts for older children.
    • Buy a car that's engineered for safety: When choosing a new car you can compare the crashworthiness of vehicles within the same category. Ask your insurance agent about the safety rating for cars you are interested in
    • Lock your car doors: Keeping the doors closed will help prevent your being thrown from the car—especially in a rollover or side collision.
    • Remove loose objects: Loose items on the panel underneath the rear window can fly during a collision and may cause injury.
    • Position headrests properly: if you have adjustable head restraints keep them in the proper position to avoid whiplash.
    HERE'S WHAT TO DO
    IF YOU'RE INVOLVED IN A CRASH

    What if you can't avoid an accident? If you are involved in one of the nearly 34 million accidents that occur annually, here are a few reminders that will help you.
    • Stop the car and get help if anyone is injured. If possible, ask a bystander to call the police and report the accident. If people are injured, the police will call for medical help.
    • Protect the accident scene from further chaos. Set up flares or turn on flashing lights to warn other motorists.
    • As soon as possible, write down the names, addresses, and phone numbers of witnesses and those involved in the accident. Also take down the license plate numbers, insurance information and the makes and models of the vehicles.
    • DO NOT discuss the accident with anyone involved in it or admit that you think you were at fault. Traffic laws vary from one jurisdiction to another, and you may not be at fault.
    • If you have a camera, take photos to provide documentation. Make notes about the time of day, weather and road conditions, and how the accident took place.
    • When the police arrive, provide any information they request. Find out where to obtain a copy of the accident report the police will file, and write down the badge numbers and names of any emergency personnel.
    • Call your insurance agent immediately, and follow your agent's instructions.

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