Car accidents are unfortunately a common experience for taxi drivers. The fallout from these taxi accidents can include injury to passengers, pedestrians, the driver, and property damage. Personal car insurance won't cover these situations, which is why companies that employ or contract with drivers need insurance that includes taxi coverage. Most taxi-involved car accidents stem from a few common causes. By recognizing what causes car accidents, your business can work to prevent accidents and keep your taxi insurance premiums low.
Fatigued DriversTaxi drivers make their money from the number of fares they handle during their shift. This can make them stay out longer or work more often than they should. As fatigue sets in, drivers become increasingly impaired, which raises the chance of an accident occurring.
Inattentive DriversMaking phone calls, texting, or otherwise giving your phone more attention than the road is a real safety hazard. According to the National Highway Traffic Safety Administration, distracting driving led to 2,841 deaths in 2018. Drivers comprise most of those deaths, but this type of accident took to the lives of cyclists, passengers, and pedestrians, too.
Traffic ViolationsLegislators designed the rules of the road to keep people safe. When a driver breaks those rules, it can endanger lives and property. Even as something as simple as changing lanes without signaling can lead to a potential accident. However, other common driving infractions lead to taxi-involved accidents:
- Failing to yield before turning left
- Not stopping at red lights or stop signs
- Speeding or otherwise aggressive driving