In this time of uncertainty, we never know what will happen next. Whether we are riding in the most luxurious of vehicles or driving in the cheapest car there is, it doesn't matter; we are not exempted from the uncertainties and risks of life. Accidents may happen anywhere at any time and in usually in an unpredictable manner. We are not in control of these kinds of circumstances. All we can do is to protect ourselves from these risks.

Car manufacturers, in order to solve these problems, put additional parts in cars to enhance their safety components. They put seatbelts and air bags to protect the driver and the passengers. They also make the body of cars durable enough to withstand collisions. Car manufacturers usually put every car through several tests to determine how it will react to collisions, before putting it in the market to insure its durability.

Even with these safety measures performed by car manufacturers, accidents still happen. Most accidents are caused by reckless driving and driving under the influence of alcoholic drinks. On the average, a motor vehicle crashes every 5 seconds, a person is injured in an accident every 11 seconds and a fatal injury occurs every 12 minutes. These statistics are convincing evidence of why car insurance is so necessary.

Drivers are not the only reason why accidents occur. Sometimes, the cars that drivers use can also be the major cause of an accident. Passenger cars and light trucks accounted for nearly 95% of the 11 million vehicles involved in motor vehicle crashes in 2004. Large trucks accounted for only 15 % of the vehicle accident. Regardless of the severity of the crashes, the majority of the accidents occurred during daylight, in normal weather conditions, while driving on a straight roadway. This pattern shows that no one can say that he/she is safe riding in any type of vehicle.

As stated, accidents do happen, but you can avoid them by following simple safety measure, include the wearing of seat belts and the following of simple traffic rules such as paying attention to speed limits and being cautious of your surroundings. Having car insurance is also advisable for your protection. This will serve as a protection for you and your family. It does not protect you physically in the same way that seat belts and air bags or helmets do, but it can protect you and your family financially.

Most countries like United Kingdom, Australia, and New Zealand make it compulsory for drivers to get their own coverage. In most countries in Asia, a driver cannot renew his license without getting covered.

A useful tool to find more information about car insurance can be found at

http;//www.1carinsurance.org.