Accidents happen and who is at fault for the accident should be decided by the police and the insurance company.  While it’s hard not to say ‘I’m sorry’ when things of this nature happen, never admit to liability.  Let the professionals sort that out.  So what exactly causes a motor accident?  Some people will blame their vehicle.  Some will blame the weather and the traffic environment, and, as always, some will blame the other driver.  Occasionally, all three of those are to blame.

We can all blame our vehicles for our driving problems but in reality human error is the reason traffic accidents happen most of the time.  While things can go wrong with our vehicles when we are driving that could cause an accident, sometimes we will overcompensate and make matters worse.  Obviously we don’t mean to, but sometimes a person’s driving experience may be such that they don’t know how to handle, say, a blown out tire.  No matter who is to blame for an accident, remember that you and the other driver – if another is involved – will ultimately be the one that takes the blame for the accident, not your vehicle.

Personal attitude is a big factor when driving and you should never drive aggressively.  Always drive defensively with a proactive attitude when it comes to potential road hazards.  Never overestimate you driving abilities because we are all fallible at some point and certainly none of us are perfect drivers.  Never think that just because you are in your car that you are not vulnerable to injury.  Accidents can and do happen, and some of them are of course fatal.

If you are young you should always shop around for your motor insurance cover, sensible no matter what age you are. Whether you’re a student, in your first job, or starting a young family it is pretty much guaranteed that if you are in your twenties and you will find most car insurers will hike up your premium because of your age. It doesn’t matter whether you have a no claims bonus, or if you’ve been in a few accidents, the majority of insurers will make anyone in their twenties pay over the odds for their insurance. 

There are many insurers that will offer cover to the younger driver at competitive rates, but you must be prepared to accept that the premium will be higher than that paid by your parents. It clearly pays to look around for the best deal, because the insurance premium will possible be around 50% of your annual motoring costs, this compares with of around just 6% for an older an experienced driver. One way to reduce your motor insurance premium is to accept a relatively high excess in the event of an accident, but do not forget this must be paid irrespective of the circumstances of the accident. It pays to shop around either by telephone or internet, so go for it!