Night Driving Dangers

A little extra caution can go a long way while driving at night

Summer has ended, and while fall and winter have their own pleasures — including high school or college football games — longer nights mean increased danger on the roads.

You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).

Because we’re big advocates for safety at LG Insurance Group, we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.

What’s dangerous about night driving?
1. Decreased vision. We won’t go into all the biological details, but different parts of the eye (such as iris, pupil and retina) work differently at night. Your peripheral vision is actually slightly improved, but it’s more difficult to focus on objects ahead of you. And traveling between well-lit areas and darker roads creates issues as well.
2. Driving too fast for your headlights. Depending on vehicle speed and headlight setting, many people “over-drive” their headlights. That means, by the time they see something on the road, it’s too late to stop in time to avoid it.
3. Impaired judgment. Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don’t use good judgment. According to the NSC, 66% of fatalities at night involve vehicle occupants who weren’t wearing seat belts.

So what do you do?
Sometimes, there’s no way around driving at night. So here are some tips to help you make a safe trip — whether you’re just running to the store, or you’re headed all the way to the Georgia mountains.
1. Make sure your vehicle’s lights are in good working condition. And not just headlights, but turn signals, taillights, etc.
2. Avoid speeding. Leave a bigger cushion between you and other cars than you would during daylight hours. Leave yourself more time for the trip.
3. Be more aware of your surroundings. You shouldn’t be using your phone, messing around with the radio or trying to find something on the floor while you’re on the road anyway — and distractions are even more deadly at night.

Of course, if you’re not comfortable driving at night, the best thing is to avoid it altogether if possible. There’s nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!

(Content provided by Safeco Insurance)

How To Look For Hit & Run Coverage On Car Insurance

Hit and run accidents are always the worst. Someone hits you and then they run off, leaving you to deal with everything. When you’re in Georgia, there are some precautions you can take on your auto insurance to minimize what you would pay out of pocket.

When you look for coverage, you want to have what the state requires, as well as a few other forms of coverage.

Uninsured Motorist

Uninsured Motorist coverage applies if another party hits you that does not have insurance, or if a verifiable at-fault party leaves the scene of an accident. Uninsured Motorist is a no-fault coverage which includes separate limits for both bodily injury and property damage. The bodily injury will cover medical bills for you and your passengers while the property damage can cover issues with your car as well as any other property that may have been damaged as a result of the accident.

If you are involved in a hit and run accident, if at all possible, attain as much information as you can from the scene of the accident.  This includes documenting a license plate number from other vehicle(s), attaining names and contact information for all witnesses at the scene and getting a police report.  It is also important to take multiple pictures of the accident scene.

Collision Coverage

Collision is another form of optional coverage, though if you are leasing a car or it has not been paid in full, the finance company may require this form of coverage anyway. If you don’t want to pay for the repairs of the car on your own, this is the coverage that is likely going to pay for all of the repairs.

At LG Insurance Group, we are committed to helping protect against hit and runs and more. Call today to learn how one of our agents can help you find a policy for auto insurance that you can count on in Marrietta.