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 316 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 August than any other month, followed by July.
2. Frantic Fridays
Maybe it’s because we’re all in a rush to get home to kick off our weekend, but for many drivers the weekend starts 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
The evening rush hour (starting at 3 p.m. and ending at 6 p.m.) is easily the time of day most prone to collisions. This three hour period in the late afternoon accounts for 25 per cent of all collisions that happen over the course of the day.
4. At intersections
Intersections, even with working traffic signals, controls, or signs, prove tricky for drivers because almost half of all collisions happen at an intersection.
5. When the sun is out
Sunny days make drivers gloomy. At 68 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 found to be at fault (even if you're only partially at fault) can be a costly hit to your wallet. Don’t let an at-fault accident increase your rates. Drive safe and avoid driver distractions to keep your premiums low.
Of course, accidents happen to even the best drivers and with InsuranceHotline.com it takes just a few short minutes to compare quotes from our network of over 30 insurance providers. Make sure you’re not missing out on lower auto insurance premiums and shop your rate today
* Canadian car accident statistics come from data available at Canada's National Collision Database.