Accidents, collisions, and fender-benders. No matter what you call them, they happen a lot and could affect your auto insurance rate. In Canada, about 335 police-reported collisions happen a day, and while you should always take care when behind the wheel, there are times, or conditions, when collisions are more likely to happen*.
1. Summer months
Most drivers might think that they’re more likely to get into a collision when conditions are wintery, but the reality is there are more collisions in July than any other month, followed by October and August.
2. Frantic Fridays
Maybe it’s because we’re all in a rush to get home to kick off our weekend, but for many our weekends start off on the wrong foot. Almost 17 per cent of all police-reported collisions in Canada happen on Fridays; no other day comes close.
3. The evening rush
Hands down, the evening rush hour (starting at 3 p.m. and ending at 6 p.m.) has the most collisions. This three hour period of the day accounts for 25 per cent of all collisions that happen over the course of the day.
4. Intersections are tricky
Intersections, even with working traffic signals, controls, or signs, prove tricky for drivers because half of all collisions happen at an intersection.
5. Sunny days make drivers gloomy
At 70 per cent, collisions are overwhelmingly more likely to happen on days that are clear and sunny, compared to days when it’s raining, snowing or when visibility is limited due to fog or drifting snow.
Car collisions and your car insurance
Take care, stay safe, and drive carefully to keep your car insurance premiums in check because a collision where you are at fault (even if it is only partially at fault) can be costly. An at-fault collision can increase your premiums as much as 50 per cent. Don’t let an at-fault accident increase your rates. Drive safe and avoid driver distractions to keep your premiums low.
* Canadian car accident statistics come from data available at Canada’s National Collision Database.