Here's why that is, and how to help prevent these types of accidents.
How Getting Rear-Ended Can Increase Your Auto Insurance Rates
When car insurance companies set your rates, they're trying to figure out how likely it is you'll file a claim they’ll have to pay. If you've caused multiple accidents, it's easy to understand why you may have to pay more.
When you're not at-fault for an accident that raises your rates, it may seem unfair. But the math still works out.
First, when and where you drive could mean you're at a higher risk of an accident — either because you drive on more dangerous roads or at times of day when accidents are more common.
Second, not being at-fault for an accident doesn't mean there's nothing you could have done to prevent the accident. Defensive driving techniques can prevent accidents — even when there's no question that you'd have no fault.
How To Drive Defensively To Avoid Getting Rear-Ended
Here are some defensive driving steps you can take to avoid getting rear-ended.
- Never be the last car in line when a highway comes to a stop or crawl. Drivers who are coming around a curve, texting, or otherwise not aware of what's ahead may crash into you at nearly full speed. As you approach a slowdown, slow gradually using your brake lights (not your hazards) to alert other drivers behind you. Don't close the gap in front of you until you see that the cars behind you are slowing.
- Leave at least a car length in front of you at a red light. This is especially important if no one is behind you when you stop. If you see a car behind you is coming in too fast and slamming on their brakes, moving up a little at the last second might give them that last bit of stopping distance they need to not hit you.
- Make sure your brake lights work. If they don't, other drivers may not realize you're stopping.
- Be aware of who's behind you. Don't stop short for a yellow light if it's a large truck that may not be able to stop in time.