The statistics discussed below were compiled by the National Highway Traffic Safety Administration (NHTSA) and focus on the causes of fatal car crashes as the main factors used in this study.
Traffic fatalities have decreased approximately 67 percent since 1975, there is still a long way to go. Many people joke about the subject of poor driving, but the truth that surrounds the issue is very serious.
After compiling the information, CarInsuranceComparison provided a score for each state and ranked them accordingly. The State of Texas ranked the worst in the overall rankings, a demotion from #4 the previous year. Our state ranked third-worst for drunk driving accidents, ninth for speeding, and ninth for the number of fatalities per 100 million miles driven. Texas scored among the top 14 states in all categories, which shows our state has a great deal to improve in the area of safe driving.
Distracted driving is also a huge factor when it comes to car accidents, especially when it comes to texting while driving. In Texas, there were more than 100,000 car accidents caused by distracted drivers in 2015 alone. Texas is one of only four states to has not banned texting and driving statewide, even though the vast majority of residents feel that it should absolutely be against the law.
Because of these statistics, it is more important than ever to be prepared now in the event of a vehicle accident.
What is the best way to protect yourself; proper insurance!
Many people contact Reyes Browne Reilley asking if personal injury protection is really worth it, and our answer is always a resounding YES! In Texas, you are required to take out PIP (personal injury protection) coverage unless you sign a waiver to let it go.
If you live in a tort state, as opposed to a no-fault state and are injured in an accident, understand that you will not have immediate access to insurance money unless you have personal injury protection coverage.
Car accident injury claims can take anywhere from a few months to a few years to resolve, and until a claim is fully resolved no payouts are made to the victim. This can leave many families with mounting medical bills, and no way to pay them.
Without an attorney on your side, you’re basically at the mercy of the insurance company when it comes to your injury and property damage claims. Luckily, PIP claims are not based on fault, so even if you’re likely liable for the accident, you can still make a claim and receive immediate compensation to pay for your medical expenses.
Personal injury protection is too important to waive if you’re in Texas, and for a number of reasons. PIP can help pay for things like doctor’s visits, consultation fees, surgical and medical treatment, eye and dental treatment, medication, nursing services and even ambulance rides. Secondly, should you have someone else in the car, they will also be covered by PIP. If someone dies in the accident, PIP will even cover things such as funeral expenses.
In the event of an accident, you may miss a few days, weeks, or even months of work. Personal injury protection insurance also helps in this area, as you’ll be able to recover compensation for lost wages as well. That being said, your insurance company may require you to produce evidence in the form of pay stubs, case files, etc., before they will release money to you. They determine what’s a “reasonable amount” with regard to payout, which is why it’s always important to have an attorney from Reyes Browne Reilley on your side after an accident involving an injury.