What an Accident Does to Your Insurance Rates

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Dealing with the aftermath of a car accident can be messy. One of the many things that can be impacted—your auto insurance rates. The impact will differ based on your provider, driving history, and the particulars of the accident. Important details include who is at fault for the accident, the cost of repairs, and the severity of the incident. If you are at fault, your insurance rates are likely to be raised. The reasoning for this is, if you are at fault in an accident you are more likely to be in another auto accident and thus are more expensive for a company to insure. If you are not at fault, your rates are less likely to increase.

Avoid Raising Rates
The best way to avoid raising your rates is to be a safe driver. Statically speaking it is likely that you will eventually get into a car wreck. According to Forbes, the average driver in the US will file a claim for a collision about once every 17.9 years.  When you inevitably need to file a claim, having a good driving history will help your case. It is cheaper and most cost-effective for an insurance company to insure a safe driver. If you are a safe driver, an insurance company will be more likely to try to keep you as a customer. Drivers with a long history of safe driving are less likely to have their rates increase.
Steer clear of an accident altogether by being smart about your driving. A majority of auto wrecks in the US happen between midnight and 3 a.m. on Saturday and Sunday mornings. This is known as the deadliest time to drive. Be smart and avoid dangerous driving.

Always File
It may not seem necessary to file a claim if the damage is minimal or if the other driver is clearly at fault. You may be hesitant to file with your own insurance company for fear of raising rates. But it is always safer to file a claim. Though you cannot know for certain, in most cases your rates will raise if you’re at fault and remain the same if you’re not at fault. If any problems arise after an accident and you have not filed a claim with your insurance company, that could just lead to more problems. Get your insurance company involved before any problems arise.

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5 Habits To Improve Your Health

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Summer is a time when people often re-dedicate themselves to becoming more fit, or being healthier. There is plenty of inspiration, or even “fitspo” on the internet and social media to overwhelm the average person. Everywhere you look, there are new superfoods to try, fitness routines to incorporate, and wellness fads. Improving your health doesn’t need to be complicated or all-consuming, however. The more simple you can make it, the better chance you have for lasting success.

Here Are 5 Simple Habits To Improve Your Health:

1. Get Enough Sleep

According to a 2013 Gallup poll, the average American adult gets about 6.8 hours of sleep a night, with 40% of Americans getting less than seven hours each night. Experts recommend 7 to 9 hours of sleep per night for adults, as research shows that less sleep leads to cognitive impairment and health issues. Sleep is the body’s chance to rest and restore, and perhaps even more importantly, allows the brain to process and rewire. Getting enough sleep also helps to reduce stress levels and protect against obesity. This is one of the simplest, most effective ways to immediately improve your health.

2. Stay Hydrated

Drinking plenty of water is another easy way to have a big impact on your health. The human body is comprised of up to 60% water. Water is essential for most of the body’s functions, from digestion to cell reproduction. Although recommendations fluctuate about how much water the average adult needs each day, many of us do not drink enough. Adding some more ounces to your daily routine will have an immediate impact on your health with very little effort.

3. Make Exercise a Habit

While going to the gym or heading out on a run are the stereotypical exercise behaviors that come to mind, there are many other ways to make exercise a part of everyday life. The recommendation is 30 to 60 minutes of moderate daily exercise, which can seem like a chore if you don’t enjoy the treadmill. A little creativity is all it takes to make this part of your day something to look forward to. Going on a hike, playing in the park with your kids, joining a recreational softball team, or even dancing to your favorite tunes can all be enjoyable ways to kick up your heart rate. Exercise is known to increase endorphins and help alleviate stress and anxiety, making it another simple and effective way to immediately improve your health.

4. Reduce Stress

Most of us suffer from too much stress these days, with busier schedules and constant information overload. Stress impacts the body in many negative ways, such as weakening the immune system and raising cortisol levels, leading to obesity. Taking some time each day to do some deep breaths or guided meditation can greatly reduce the load of stress we carry. Make it a priority to take a moment each day to stop and calm the mind.

5. Eat Colorful Foods

Eating healthfully doesn’t have to be complicated. There are plenty of eating plans to choose from, but the simplest action you can take right now is to add more colorful foods to your diet. Choose from whole fruits and vegetables, and try to get as much variety as possible. Adding these nutrient-dense foods will only serve to improve your overall well-being, and is a simple habit to adopt.


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