Accident

Accidents causing death, injury, and damage have always happened. Phrases used to describe similar incidents include: auto accident, car crash, car smash, car wreck, fender bender, motor vehicle accident, personal injury collision, road accident, road traffic accident, road traffic collision, road traffic incident, traffic collision. There are demographic differences in accident rates. For example, although young people tend to have good reaction times, disproportionately more young male drivers feature in accidents, with researchers observing that many exhibit behaviours and attitudes to risk that can place them in more hazardous situations than other road users.[5] This gets reflected by actuaries when they set insurance rates for different age groups, partly based on their age, sex, and choice of vehicle. Older drivers with slower reactions would be expected to be involved in more accidents, but this has not been the case as they tend to drive less and, apparently, more cautiously. All parties involved in an accident must stop at the scene, and exchange insurance or identification information or summon the police. Get your free auto insurance quotes from InsuranceDesk.com now.

Insurance

Promise of reimbursement in the case of loss; paid to people or companies so concerned about hazards that they have made prepayments to an insurance company.