What does Thanksgiving Day mean to you? For most people, it means spending some quality time with relatives, enjoying a nice home-cooked meal, and watching some football. Unfortunately, Thanksgiving is also one of the deadliest times of year. Every Thanksgiving season, the mortality rate in the United States spikes. The main reason behind this sudden increase in deaths? Car accidents.
The National Safety Council estimates that over 417 people may die on the roads during the Thanksgiving holiday period. According to the NHTSA, over half of people killed on the roads during the 2018 Thanksgiving season weren’t wearing their seat belt, and nearly one out of every three Thanksgiving traffic fatalities involved a collision with a drunk driver.
There are many reasons for a sudden spike in traffic accidents this holiday season. AAA states that more than 45 million people traveled by car to celebrate the Thanksgiving holiday in 2017. More cars on the roads means more congested roadways, which means more opportunities for collisions. Many people will be driving on unfamiliar roads and determined to get to their destination no matter what, making the likelihood for a deadly traffic accident that much higher.
Impaired driving also plays a significant role in Thanksgiving deaths. Avoiding traffic by driving early in the morning or late at night can be tempting, but it also increases the risk of falling asleep at the wheel or making a deadly mistake due to drowsiness. Many people also consume more alcohol than usual this time of year. Unfortunately, if they haven’t planned a safe way home after enjoying drinks with their families or at a local bar, they may attempt to drive back themselves, a decision that can have fatal consequences.
Do You Have the Right Insurance Coverage?
With this increased likelihood of traffic accidents, it shouldn’t be a surprise that some of the most common Thanksgiving insurance claims are auto related. At a time like this, you don’t just want to be mindful while on the roads. You want to make sure that you have a good auto insurance policy, so you’re sufficiently covered if something does happen. Specifically, you need to think about uninsured and underinsured motorists coverage.
If you are in an auto collision, and the other driver is at fault, their insurance should cover your medical expenses and damages. Georgia, like many states, requires that all motorists carry a minimum of $25,000.00 liability coverage. Unfortunately, according to the Insurance Research Council, over 1.16 million people in Georgia drive without any liability insurance. Still more are underinsured motorists who carry the minimum possible coverage of $25,000.00 and no more.
If you are in a severe collision with an uninsured or underinsured driver, and you don’t carry uninsured and underinsured motorists coverage, your only recourse is going through your insurance or suing the other driver. And if the other driver cannot afford insurance, it’s unlikely you’ll recover much from them. At a time like this, where the possibility of deadly collisions is at an all-time high, you can’t afford to take risks. You need to make sure you have uninsured and underinsured motorists coverage.
Underinsured and uninsured motorists insurance will protect you if you are in a collision, and the at-fault driver has no liability insurance or insufficient coverage. On average, adding this coverage to your policy will cost you only 10 to 20 dollars a month. That’s a very small price to pay for coverage that could save you a significant amount of hardship. Alternatively, we recommend you carry a minimum of $100,000.00 of auto insurance coverage, and more if you can afford to do so. This can help you save on significant out of pocket costs.
Remember to stay mindful this Thanksgiving season. Drive carefully, make sure you have a safe way to return home if you consume alcohol, and make sure you have the right insurance coverage. Our attorneys can help you make sure you have the proper amount of insurance coverage before something happens. We are not in the business of selling insurance, but we are in the business of protecting our clients. Contact the Don Turner Legal Team today for a free auto insurance audit.