Beyond the Basics: 5 Overlooked Causes of Car Accidents

Most drivers know the big red flags: don’t text while driving, never get behind the wheel after a few drinks, and keep your speed in check. We see the billboards and hear the PSA announcements constantly. Yet, even the most “careful” drivers can find themselves in a fender bender—or worse—because of factors they didn’t even realize were dangerous.

When it comes to car insurance, we often focus on what happens after the crash. But at the Howard Steel Agency, we believe the best insurance policy is the one you never have to use. To help keep you safe on the roads, here are five frequently overlooked causes of car accidents that every driver should have on their radar.

We’ve all experienced it: you arrive at your destination and realize you don’t remember the last three miles of the drive. This is “cognitive distraction.” While your eyes are on the road, your mind is miles away—perhaps thinking about a work meeting or what to cook for dinner. Studies show that daydreaming is a leading cause of collisions because it significantly delays your reaction time when a car suddenly brakes in front of you.

While hands-free laws have made phone calls legal in many places, they haven’t made them perfectly safe. Engaging in a deep or stressful conversation—whether with a passenger or via a Bluetooth headset—activates the same part of the brain used for spatial awareness. If a conversation becomes intense, it’s best to save it for when you’re safely parked.

We often think of Oregon maintenance as a way to protect the car’s value, but it is a vital safety measure. Balding tires might not seem like an issue on a sunny day, but they can cause you to hydroplane during a sudden afternoon rainstorm. Similarly, worn brake pads or a burnt-out taillight can prevent other drivers from reacting to your movements, leading to avoidable rear-end collisions.

Fiddling with the GPS, adjusting the temperature, or searching for a specific song on your playlist takes your eyes off the road for an average of five seconds. At highway speeds, that is the equivalent of driving the length of a football field blindfolded. Set your navigation and music before you shift into drive.

You don’t have to fall asleep at the wheel for fatigue to be dangerous. Being “moderately tired” mimics the effects of driving under the influence, impairing your judgment and coordination. If you find yourself blinking more than usual or struggling to stay in your lane, it’s time to pull over and rest.

Understanding the risks is the first step toward safety, but having the right protection is the safety net every driver needs. At the Howard Steel Agency in Bend, Oregon, we specialize in providing personalized car insurance solutions that fit your lifestyle and budget.

Whether you are commuting across Central Oregon or heading out for a weekend adventure, make sure you have a local expert in your corner. Contact the Howard Steel Agency today at (541) 318-8835 or visit us online to get a quote and ensure you’re fully protected on the road.