Everyone has experienced bad driving on the roads. Road hogs swerve,
bob and weave, speed ahead, only to slam on the breaks… and more
often than not, these are the culprits responsible for causing
accidents!
Being a bad driver will negatively affect your insurance premiums,
accident track record and budget – and you’ll be surprised at how
quickly South African car insurance companies will place you in a
higher risk category! Browse the below list of characteristics to
find out whether you are a bad driver or not.
- Do you jump stop signs or not come to a complete standstill
before crossing intersections?
- Do you eat or smoke behind the wheel, rather than pulling
over for a break?
- Do you justify breaking traffic regulations if it is urgent?
- Do you talk on your cell phone while driving?
- Do you speed if you’re certain that there are no speed traps
on a road?
- Do you speed up when you’re passing jaywalkers?
- Do you get annoyed driving behind large vehicles?
- Do you lose your temper and shout at other drivers,
especially in heavy traffic?
- Do you switch lanes frequently to get further ahead, or
squeeze in just before slipways?
- Do you disregard solid lines when you want to change lanes?
If you have answered yes to even a handful of these questions,
you may well have the characteristics of a bad driver. Car insurance
companies prefer insuring safe, responsible drivers. By doing the
things listed above, you are increasing your own chances of being
involved in a car accident. The moment you are and you submit a car
insurance claim, you automatically get placed into a higher risk
category. This, in turn, will result in a car insurance premium
increase for your insurance policy. If you have more than a certain
amount of car insurance claims in a given period of time, your car
insurance policy may be cancelled by your car insurance company.
Once your risk category is high, you will find that many a car
insurance company will refuse you car insurance cover. And if they
do agree to give you car insurance, it may well cost you an arm and
a leg!
Use this bad driving profile as a guideline to become a better
driver – it’s an investment in your safety that will save you money
and keep your car insurance premiums affordable!
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