Car Safety Discount – Get a Quote

Car Safety Discount – How Car Safety Can Get You Discounts

Car Safety Discount is provided by many insurance companies. Here’s why.

Motor vehicle accidents caused thousands of deaths in 2010, according to the U.S. Department of Transportation. The average insurance claim for bodily injury in an auto accident costs $7,396, a 155.9 percent jump from 1980s when the average claim cost $2,890. This increase reflects in part substantial inflation in the cost of medical care during the period as well as advances in medicine which have resulted in new and more expensive treatments for injuries.
To the extent that deaths and injuries from motor vehicle accidents can be reduced, the total payouts that auto insurers make to compensate persons injured in auto accidents can also be reduced, thus helping to control the cost of auto insurance premiums.
Some of the various ways of making vehicles safer for drivers and passengers and other means of reducing the number and severity of auto accident injuries and keeping fatalities at lower levels are discussed below.

Car Safety Discount and Occupant Restraints

More and more carriers are offering car safety discount to their policy holders. Substantial research has shown that when automobile occupants wear seat belts, they are less likely to be injured or to be injured as severely as they are if not wearing belts. Since 1967, the U.S. Department of Transportation has required that all U.S. automobiles be equipped with seat belts. The National Highway Traffic Safety Administration (NHTSA) has estimated that if even 50 percent of front seat passengers involved in crashes nationally were using lap/ shoulder seat belts, about 4,400 deaths and 73,000 moderate to critical injuries could be prevented in 2000.

In addition to seat belts, safety advocates have been pressing for the use of air bags. Air bags are protective devices which are installed in the instrument panel and steering wheel of the car. Upon frontal or front-angular impact, they inflate to form a soft cushion between front seat occupants and the car’s interior frontal structures.

Without air bags, many injuries that can be prevented by air bags would still occur, even if everyone wore seat belts all the time. In low- to-moderate-speed crashes (up to about 30 or 35 mph head-on) lap/ shoulder belts are quite effective. But in crashes at higher speeds, even belted occupants may hit steering columns, windshields and dashboards and sustain serious injuries, although the injuries would almost always be less severe than they would be if the occupants were not wearing belts.

An additional argument in favor of air bags is that they offer some automatic protection to front seat occupants who refuse to use seat belts. This is even more significant, because in most states that require belt use by law, half or more of the drivers and front seat passengers still do not use belts. In addition, studies show that some groups of people who are more likely to be involved in auto accidents, such as teenagers and drunk drivers, are least likely to wear seat belts.

The combination of an air bag with a seat belt is much more effective in preventing deaths and injuries than either device alone. NHTSA projects that if all cars had air bags and if at least 50 percent of front-seat auto occupants wore lap/shoulder belts, the number of deaths and moderate to critical injuries prevented would be more than double those prevented by the use of the lap/shoulder belts alone— 9,000 fewer deaths and 150,000 fewer moderate to critical injuries.


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