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Then and Now, People Saw that Cars are Bound to Crash . . . due to Negligence

The average yearly rate of fatal car crashes in the US from 1981 to 2007 was 44,000, while from 2008 to 2015, records from the National Highway Traffic Safety Administration (NHTSA) showed a lower figure – 33,000.

In implementing road safety rules, the NHTSA and other governmental organizations, as well as some car manufacturers, work doubly hard, both in ensuring the smooth and safe flow of traffic and in making vehicles more crashworthy. The government does this through the passing of road safety laws, and consistent and strict enforcement of these laws; car manufacturers, on the other hand, equip their new car models with the most modern safety devices.

Sadly, however, car accidents continue to occur regardless of the laws passed, the strict enforcement of these laws and the safety devices many cars are now equipped with. This comes as no surprise, though, because ever since the dawn of automobiles, people saw that these machineries would crash and that crashes will damage properties and injure people.

The main problem that automobile crashes created back then was not the at-fault or negligent driver’s damaged car or sustained injuries, but the damaged property and/or injuries suffered by the victim in the accident, for which the at fault driver did not have the financial capability to compensate. Thus, in order to ensure that victims in accidents are paid the compensation that they may be legally deemed to receive, the compulsory car insurance law was passed: the year this law was passed was 1925 and the first two states that were able to write their own compulsory car insurance law and mandate it on all their drivers were Connecticut and Massachusetts.

Today, showing proof of financial capacity to pay for damages in the event of an at-fault accident is mandated in all 50 states. This requirement to demonstrate financial capability is called the Financial Responsibility law and compliance to this law may be shown by:

  • carrying auto liability insurance, which is mandated in 48 states;
  • posting a bond or depositing cash with the state, which is the case in New Hampshire, the only state that does not mandate the carrying of auto insurance;
  • paying the uninsured motor vehicle fee to the state’s Department of Motor Vehicle (DMV) in lieu of insurance, as is the practice in the state of Virginia.

An insurance policy itself is already expensive and it is made even more expensive by the many other add-ons that drivers need to purchase. Drivers can make use of free insurance quotes to be able to find the kind of deal that will work best for them.