Nowadays, there are so many best car insurance companies in Kearney, NE, that people usually find it challenging to choose policies from one company. Doing surveys before you decide to go for some company is necessary. It would help you save money and will also be helping you with so many other things.
You will have a better understanding after reading this of what to buy and what not to buy. After that, you will have a clearer view of what to look for in an insurance policy. You will be able to make comparisons and have quite a sense of where to buy the best auto insurance companies in Kearney, NE. a survey will help you compare the prices of different companies, and you will end up saving money this way.
Online help has made everything so easy. You will be able to find information on every topic. You will get an estimation of rates as well. Some companies even sell policies online where documents are sent to the customers online.
Different Kearney NE car insurance companies will provide you with different rates. All these rates depend upon their approach of calculating monthly and annual premiums. You need to find a policy that meets all your requirements and fits your budget well. Drivers need to compare the policies offered by different companies and then choose the best one for them.
Having the best policy will help them cover the expenses that might be very drastic at some point, and the total expense from their pocket will be a lot. Having insurance will save you money in times of hurry and worry; these policies will save you in certain situations and lessen the hassle you might go through.
The Best Cheapest Kearney NE Car Insurance Companies
There are three things you need to understand before you buy any cheap car insurance in Kearney, NE. these three things are:
- What did you require? What things did you want to be covered under a policy?
- How much is your budget?
- What do you want from the company?
For the best assessment, try understanding your behavior and the assessments you make on the road. Consider your driving skills first, and it will help you know the policies that insurance companies are providing you.
You will know in what category they put you in. if you have a terrible history, you can also ask for forgiveness, and if accepted, you will get better rates from the companies. Hence, understating your driving behavior helps you understand the policies and their rates better.
If you are looking for cheap car insurance in Kearney, NE, you must always check for discounts and deals available. Doing so will help you avail them in time and save you money as well. Do not forget to check for other companies because companies often provide incentives to the customers who change their insurance companies.
The rates provided on the internet are only average rates. The cost varies from person to person and company to company. Hence, looking into the companies yourself is always a better option. But these rates will still help you make a rough assessment about how much you can be asked.
Average Cost Of Car Insurance In Kearney NE
On average, the cost of Kearney NE auto insurance is around $1,065. In comparison with the statewide average, it is expensive, but it is less expensive if we compare it with the national averages. The statewide average is $1,382, and the national average is $1,561.
This average depends explicitly on many other factors that are included in the policy. These factors affect your monthly premiums and certainly the cost value of the insurance.
Kearney Auto Insurance Requirements
The rules of every state are different from others, and every person buys an insurance policy keeping in view all those rules and regulations. The monthly premiums will cost depending upon what is preferred in the insurance policy. If the requirements are more, the policy is going to be expensive and vice versa.
The essential things are that you at least need to fulfill the state’s requirements, and other additional things can be put down the list if the total cost is out of budget. Talking about the cheap car insurance in Kearney NE and cheap auto insurance in Kearney NE, the following is the list of requirements that are mandatory for every driver.
- $25,000 bodily injury liability insurance coverage per person.
- $50,000 bodily injury liability insurance coverage per accident.
- $25,000 Property damage liability coverage.
- $25,000/$50,000 uninsured and underinsured motorist bodily injury protection.
The two types of coverage, uninsured and underinsured, cannot be missed. The minimum amount of this can be increased, depending on the modifications you make in a policy. The drivers are asked to submit a letter in writing to make specific increases.
How To Get Cheap Car Insurance Quotes In Kearney NE?
The insurance policy rates will be lowered. To get cheap car insurance in Kearney, NE, you will have to compare certain companies and their rates. Consider the affordable car insurance quotes in Kearney, NE, while you look around and keep in mind the rates they provide.
A clean record, if maintained, can be beneficial while buying an insurance policy, and it matters the most. If you have an excellent maintained record, you will get discounts as well from the company. If you ever get yourself into an accident, the price of the insurance policy is going to rise high.
- You need accurate information on what your state requires for the drivers. Every state has its own rules and regulations that need to be followed in every aspect. The minimum insurance usually required by the state is the liability coverage with specific levels of bodily injury and any damage to the property.
- It would help you if you asked your friends and family about specific companies and their experiences with them.
- Look around for affordable car insurance quotes in Kearney, NE. The rates most of the time vary from company to company because of the approach they use to calculate monthly premiums. The calculations differ, and thus the cost of policy differs as well. Looking around in different companies might help you choose the best one and save some money as well.
- Check for the license of the companies as well. It is important to ensure that the company you are working with is legally approved and not involved in any scam.
Kearney NE Cheap Car Insurance Quotes For Young Drivers
The age group matters a lot while considering drivers for the insurance policy. The age group of 20 – 25 years is considered high risk because they are usually less experienced. Less experienced drivers are considered high risk.
Thus, the cost of Kearney NE auto insurance increases considerably as the age group increases; the price decreases because they keep getting experience on the roads with time. But you can still look around and find what fits you the best. Some companies do have lower rates. Hence comparing and doing a survey is always a great idea.
The rates are different for different companies, and there can be huge differences between the rates. As told before, this is precisely due to the approach a company uses to calculate the monthly premiums. The companies have set different percentages regarding different factors, and hence the prices vary drastically.
The rates shown in the charts by different websites are just referenced values; do not rely on them entirely and do your research correctly. Because the requirements and priorities are different for different people and the rates change so.
Kearney NE Car Insurance For Drivers With A Good Record
Drivers that are put in the low-risk category always tend to receive so many discounts and offers. This category has drivers that have a maintained clean record of driving. Drivers that have not been ever encountered in an accident are the companies’ favorites, and they usually receive the policy of their choice within their budget. Clean on road history is always a plus while buying an insurance policy. The company trusts you with your driving skills.
A maintained driving record is going to help at certain levels and places. You will always get discounts and benefits for maintaining an excellent on-road record for consecutive years. Whenever you consider changing or switching your insurance companies, you might get double incentives throughout the year. You will have to pay considerably less than other insurance policies.
Cheapest Minimum Coverage For Young Good Drivers In Kearney NE
For affordable car insurance quotes in Kearney, NE, you can consider the following companies. Here is a list provided with their estimated annual payments. The figures used are just a rough image for your mind making. These vary from customer to customer, and it is an estimation for the clean driving record for the age group of 20 to 25:
Young drivers would experience higher rates than other age groups because of their less on-road experience. These prices gradually decrease once you have maintained a good record for consecut8ive six years. Many companies also provide student discounts to young drivers. There are different types of policies for young drivers as well.
The rates vary accordingly. Find affordable car insurance quotes in Kearney, NE, consider different companies, and then choose the best. There are ways to find less expensive insurance policies, and you need to invest time in gathering information.
Best Coverage For Multiple Cars In Kearney NE Car Insurance
It is challenging to look for cheap auto insurance in Kearney, NE. drivers can get discounts if they have several vehicles to be insured. All the vehicles should get insurance from a similar company to get discounts. Following is the list of average estimated savings made using this approach.
|Number of Vehicles||Insurance Costs|
The emphasis on the survey will be the same because you can get entirely different prices at different companies. Comparison is vital to find the best car insurance companies in Kearney, NE. you can get different discounts from different companies.
Figure out in the end that what fits you the best. You are going to save a lot if you do surveys. If you haven’t ever done one, try doing it this time and see yourself. Different factors are calculated differently at different insurance companies, and hence the prices are entirely different. The percentages they have set up for certain things are different, reflecting on the costs.
Cheap Auto Insurance Quotes In Kearney NE By Age
The age group of 20 – 25 years is considered the riskiest. This class of people is the most negligent while driving. In addition, they are the least experienced with driving on the roads. It is challenging to find a cheap policy for young drivers considering all the factors mentioned. The prices offered by usually all the companies are comparatively much higher than other age groups.
Talking about the mild age group, the rates offered by the insurance companies drop down drastically. People are the most sensible ones and mature. They tend to have more experience in driving as well. The rates are thus lower for them.
Again, the prices rise high talking about the aged ones because of certain aging factors that start to appear. People in this age bracket incline to have slower reflexes and affected eyesight to their age. Thus, these factors contribute to their rates getting up high. Still, the age group of 20 to 25 has more accidents than this age group. Hence, the prices are higher but not that higher.
Following is the estimated list of rates with the given age group.
|Age of Driver||Insurance Cost|
All the figures given above are just estimations. These can vary from company to company and customer to customer.
Cheap Car Insurance In Kearney NE After A Car Accident
Every company has its way of calculating damages and rates at specific points. Talking about the accidents, different companies have different approaches, and hence the rates vary from company to company.
The rates are twice as high for the driver who was found to be involved in an accident while comparing a driver who has never been in an accident to a driver who had an accident. In at-fault cases, the company must pay a lot; hence these drivers are put in the high-risk category and pay more monthly premiums than the usual drivers.
The rates offered for a vehicle before getting into an accident are very different from when it gets into an accident. Different companies offer different rates, and yet again, a survey is essential. Looking out for different companies and policies will help you save some money and get a policy that best fits you. Consider switching your policy as well. That also works and saves you money.
Who Offers The Cheap Car Insurance Rates In Kearney NE For Married Couples?
Usually, when the vehicle is owned by two people or more than one person is expected to drive a vehicle, the insurance rates are less. There are special offers and discounts for married couples as well. Try looking for the best option available in the market by doing a survey and then choosing the best out of it.
Following is the list of some companies that are well known for their cheap car insurance in Kearney, NE. the figures again given below are just estimations. These rates can vary from person to person who is looking for insurance.
|Company||Married Couple Rates|
Cheap Car Insurance In Kearney NE After A Speeding Ticket
If you are charged with a speeding ticket, the insurance rates again go high, but these are not as much as those of at-fault drivers. But speeding tickets imply that you are a risky driver, and hence the company charges you relatively more than the other drivers.
On average, people experience a rise in their monthly premium by 22% if charged with one speeding ticket. State Farm is one the companies where you can find the cheapest rates even with a speeding ticket but still doing a survey can help.
The above comparison shows that the rates offered by the State farm are cheaper than all other companies, and it clearly shows why doing a survey is essential. You can see that there is a massive difference in rates offered by different companies. Again, note that all the rates are just estimations, and these can vary from customer to customer.
Cheap Auto Insurance Quotes In Kearney NE After A DUI
The prices of monthly premiums can change drastically after DUI. Some drivers get penalized for a longer duration of time than others. It is always recommended to look around at different companies and compare the rates provided by them. Once you notice an increase in the rates, always consider researching to find the best price for your vehicle.
Following is the list of companies with estimated rates after a DUI. This estimation will give you a rough knowledge about what the rates can be after a DUI, do not entirely rely on these rates as the rates can vary from company to company. The cheapest auto insurance companies for drivers with a recent DUI come from the following companies, listed with rates for full coverage.
|Farm Bureau Financial Services||$1,562|
Driving under the influence, or DUI, generally results in higher auto insurance premiums than before. Analyze rates for drivers and standard “full coverage” auto insurance with a recent DUI conviction to see which companies were cheapest. You need to be aware that you may be rejected for coverage, including from the companies listed above. Thus, the rates and averages shown above are only used as an estimate.
Cheap Auto Insurance Quotes In Kearney NE For Minimum Coverage
Average rates for insurance policies that provide minimum coverage to people might be less expensive but insufficient in providing full coverage. One who does not have full coverage might suffer later when there are situations of accident, theft, and other damage cases.
If you want complete protection, minimum coverage might not be enough for you. Some companies provide discounts; those discounts can be a very good option if you do not want to spend a lot, but full coverage is necessary.
Following is the list of some companies that provide affordable car insurance quotes in Kearney, NE. again, all the rates given below are just an estimation, and they can vary from customer to customer.
|Farmers Mutual of Nebraska||$689|
The rates of your insurance policy depend upon certain things. These things include the company you decide for your insurance policy, the requirements you need to meet, the type of policy you are willing to buy, and many other factors.
To find out the cheap car insurance in Kearney, NE, you will need to investigate more than two insurance companies to compare the rates and find the cheapest one for yourself. The insurance rates can vary significantly from company to company and the quotes they provide.
Cheap Car Insurance Companies In Kearney NE For Drivers With Bad Credit Score
On average, the credit score of most of the drivers is around 723. If you want to know more precisely what probable expense you could have, consider talking to the company directly. You will have more precise information about everything, and you will be able to compare things nicely.
Your credit score has a noteworthy impact on the rates a company provides you for specific insurance policies. Following is the list of some companies and the average rates they provide.
Having a good credit score can affect the rates of your policy significantly. You should try to raise your credit score. It will decrease the cost that implies specific insurance policies. Again, to emphasize, all the rates given above are just estimations and are not exact prices that you will get from the insurance companies. These greatly vary from company to company.
Kearney NE Cheapest Car Insurance Companies For Seniors
The age group that has people of age 70 or above are considered aged. They have quite a lot of experience in driving. The high-risk factor in these drivers is that they start to have aging symptoms. The aging symptoms include eyesight, slow reflexes, delay in responses, and certain diseases. Companies often do a proper investigation on elderly drivers.
|Farmers Mutual of Nebraska||$896|
Senior drivers and the aged group should always consider renewing their insurance policies when they are in their 60s, and it will cost them less, and they might get specific discounts and offers. 65 plus is the best time for insurance policy renewal.
Everything in the insurance policies is meant to keep the safety of the drivers and their protection. Not to skip the fact that the rates above are just average values and can differ for different customers.
What Are The Different Types Of Kearney NE Auto Insurance Coverage?
The total procedure of how Kearney NE auto insurance works might be understandable. The only thing left now is the types of policies available in the market for vehicles. Once you know the types of insurance policies, you will most probably get an idea of what you want to buy, and it will also help you understand what you need and what you should buy. It will help you save more money since you will avoid spending on insurance that will not benefit you.
New Car Replacement
If your car gets stolen or is totaled, a new car replacement insurance policy helps you cover a new car of a similar make and model. The insurance covers all the expenses minus the deductibles on that vehicle.
Roadside Assistance insurance policy helps you cover for your all the roadside expenses. These include the flat tire, battery jump, tire change, towing services, etc. Buying such an insurance policy will help you in certain situations as this decreases your hassle.
Original Parts Replacement
The original parts replacement policy helps cover parts of your car. Your car might need replacements with time. Insurance companies help you find the best fit for your car and cover for it. Some companies have initially manufactured parts that they supply to their customers.
Towing and labor insurance
Towing and labor insurance policies help cover the towing services. The insurance companies provide coverage for such service, which is also included in the roadside insurance policy. You might want to consider that to have added things in the policy.
Rental reimbursement insurance
A rental reimbursement insurance policy helps cover for you when you drive a rental car and get into an accident. This policy is helpful when the vehicle is no longer able to work correctly. If you don’t own a car yet, this insurance and liability insurance can help you escape the situation.
Classic car insurance
Classic car insurance is specifically for vintage and old cars. This insurance policy is specially designed for covering the older vehicle. People who taste vintage cars should buy such insurances because the market does not provide the parts and coverages efficiently.
It is meant to cover the gap that occurs while buying and selling a car. It covers the payment difference. Buying gap insurances is the best idea to adopt. You will have the gap covered whenever you decide to change or switch your vehicle.
Comprehensive insurance provides coverages for all the damages except the collision insurance coverages. It works in times of accident and hazards. In some areas, it is compulsory along with the liability coverages in some states. It is also available as an additional service by many insurance companies.
Uninsured motorist insurance
Uninsured motorist insurance protects a hit and runs cases. Cases in which people at fault cause trouble and tend to run away. This insurance covers the damages in such situations where the at-fault driver is missing. That also means this provides coverage irrespective of the at-fault driver.
Underinsured motorist insurance
Underinsured motorist insurance protects in cases where liability coverage is not enough. It provides you additional protection when involved in accidents and other on-road incidents.
Medical payments coverage
Such insurance policies cover medical payments and hospital bills. When in case of accidents and hazards, the bills can be too much. This insurance will help cover your expenses in a time of hurry and worry.
Personal injury protection insurance
A personal injury protection insurance policy pays for personal damages caused during an accident. All bodily injuries are covered under this type of insurance. You never know when you get into an accident. Buying such insurances can save you from paying for medical bills and hospital charges suddenly that you might not be able to afford. You should investigate this insurance to avoid the risks.
Major Parts Replacement Coverage
This type of insurance policy will help cover the significant parts that are not readily available, and there is no guarantee of them being original. Such policies help you from scams and help you pay for certain parts of the cars. You need not worry about the parts and get the best fit for your car. These parts are specifically made for the same model and make of your car.
It is an essential requirement in most states. The legal requirement of some states has a minimum amount of liability coverage fixed in every case. It covers people in cases of accidents when there is property damage or bodily injuries.
Collision insurance covers the damages caused during an accident or incident on the road. These usually refer to incidents involving collisions. Collision is often discussed along with the comprehensive insurance policy and is again available with the liability insurance policy. In some states, it is included in the legal requirements needed to drive on the roads.
Ways To Lower Kearney NE Car Insurance Cost
Reduce Your Annual Mileage
Reducing your annual mileage affects the cost that implies your insurance policies. The more time you devote behind the wheels, the more chances you get into an accident. The less you drive your car, and there are fewer chances of it getting into an accident. Companies prefer to work with customers who are less risky and would not cost them much.
Opt for Less Car Insurance Coverage
Opting for a less car insurance policy will provide you with less protection, but this eventually costs less than what you were offered before. Considering certain things as not a part of the deal might reduce the total cost of an insurance policy. You need to keep in mind the budget you have. You cannot exceed the limit.
Increase Your Deductibles
Increasing the deductibles in another way decreases the total cost of the insurance policy and helps reduce your monthly premiums, and you will have to pay a lesser amount monthly. The more significant the deductible value, the lesser you will have to pay for your insurance policy.
Multiple Cars and Drivers May Save Money
Try adding up people on your insurance policy rather than buying new ones. It will considerably decrease the amount of money you have to pay per person insurance. By adding up, the vehicle remains the same while several people can drive the car. In your house, add your family members to your insurance policy. Using joint insurance policies helps you save a lot of amounts.
Consider Switching Auto Insurance Providers
Consider switching the auto insurance policies. Companies have discounts and offer for the people when they switch between companies. It is highly recommended while renewing your insurance policies. It will also help you save money.
You can have discounts as well as you might also get an insurance policy that has less cost than monthly premiums. It is highly suggested when your vehicle has ever been involved in an accident or has a DUI.
Maintain a Clean Driving Record for Several Consecutive Years
The maintenance of a clean record is a significant factor in terms of the cost value of the insurance policy. If you are ever ticketed for overspeeding, DUI, or involved in an accident, the rates of the policy increase considerably. The most effective way to lower the prices of the policies is to maintain a clean on-road history for consecutive years.
- You should try to follow all the traffic rules and never go illegally.
- You should not drive when you are on drugs or have had alcohol.
- You should try to spend less time driving. I prefer using public transport and drive your car less to lessen the chances of accidents.
- You should make sure that your car is maintained correctly. Take your car for services regularly.
Purchase A Vehicle That Is Cheap to Insure
Try to purchase vehicles that are easy to have insurance. The model of your car, its make, and the size can have a more considerable impact on the insurance policy you buy for your vehicle. Try buying vehicles that will cost you less while having an inundated policy. Vehicles that are involved in accidents or claims are less expensive in the end. Collisions have an impact on the total price of the policy.
Ask about car insurance discounts:
Whenever you go to the insurance companies, always ask for discounts and offers available. Different companies have different discounts and offer available in different periods. It might cost you less overall.
- Try insuring multiple cars under one policy.
- Maintain your driving record
- Pay the monthly premiums once
- Receiving documents online also decreases the amount of cost.
- Buy a car with anti-theft and certain safety features.
Does Motorcycle Insurance In Kearney NM Have The Same Coverage As Car Insurance?
Vehicles might be different, but the insurance policies remain the same. The damages are either bodily damages or property damages in both cases. Hence the policies are similar.
Following is the list of some coverages that are similar in both cases.
- Comprehensive coverage covering for damages other than collision
- Collision coverage covers accidents that involve collisions of two vehicles.
- Liability coverage provides minimum coverage in property damage and bodily injuries.
- Medical payments coverage covers medical bills and hospital payments.
- Uninsured and Underinsured motorists provide additional protection against accidents and other hazards.
Some states have minimum coverage policies for motorcycles. In other states, they do not have any requirements. All these requirements are usually more or less the same for every state.
- $30000 for bodily injuries per person
- $60000 in bodily in injury liability per person
- $25000 in property damage liability
Differences in Coverage:
Motorcycles have added safety types of equipment that cars do not have. These include helmets and sidecars. Motorcycles are recommended to buy the additional coverages in theft, vandalism, wind, rain, and fire.
Guest passenger liability coverage is another type of insurance policy only available for recreational vehicles such as motorcycles.
Is Motorcycle Insurance More Expensive than Car Insurance?
Due to the size and the facilities available in a car and bike vary greatly, the cost of the insurance policies also varies greatly. Insurance policies for motorcycles cost less than cars. The reason behind the fact is that motorcycles are fewer heavy vehicles than cars.
How To Save Money On Kearney NM Car Insurance For Teens?
Some teens might add up their insurance policy and avail of different discounts and offers. If you do not want to go that way, you can buy an insurance policy for teens for yourself.
Discounts are not only available for the experienced and not put in the high-risk category, but the drivers that are not experienced can also get discounts. Being teens-only does not put you in the high-risk category. Only being in a particular category does not make you unreliable.
- If you give the premium amounts not monthly but instead annually, the companies might offer some discounts. You will also experience lower rates than the normal ones.
- If your insurance policy is set up at auto-renewal, in that case, the total cost that you pay on that specific insurance policy might cost you less than the average.
- Ask your teen to maintain a clear and clean driving record. Considering these records, insurance companies provide the customers with different discounts and offers. There is a discount by the name of a good student discount. It is available to the students who maintain a good record at the school as well.
- Taking driving classes and learning skills can help your teen to become a less risky driver. It will undoubtedly affect your insurance policy rates and put your teen on the list of reliable drivers.
- Increasing the deductibles also decreases the cost of the insurance policy.
- You can add your teen to your car insurance policy. It will also help you save money. Such a policy is known as the multiple car policy. You will have to pay for one insurance policy while different drivers can drive the vehicle.
- You can add your teen as an additional driver to your existing insurance policy. It will provide coverage if they drive your car even.
Car Insurance Kearney NE Questions And Answered
What is an SR-22 form?
SR-22 is not what people think of it as. It is not precisely the insurance policy, but a certificate ensures that you own a specific insurance policy that covers you.
SR-22 might be asked for by a judge in certain situations when you are dinged for a DUI or other multiple moving violations.
SR-22 usually costs around $25, and it is acceptable for about three years.
Do car insurance companies offer military discounts?
This part depends on the company. Some companies do offer military discounts and offer, and some companies do not. Companies that provide military discounts can be very beneficial as they have offers that are helpful for the family. The prices of such insurances are also very significant.
Is full coverage car insurance worth it?
If you buy a minimum car insurance policy, it will only cover the other car and its damages in accidents. Suppose you own a full coverage insurance policy. In that case, many of your expenses are covered under the insurance policy, and you will have a slight burden on yourself.
You might get into something that you cannot cover for in the longer tun might cost you a bit too much. Having full coverage provides you with more protection and helps you save money in the longer run. You might be saving now but might be spending twice the amount in the future.
How much is car insurance typically for two vehicles in Grand Island, NE?
On average, $1,604 is the amount you pay for two vehicles in Grand Island. the SR-22, liability coverage, and the full coverage can significantly affect the policy.
Does Auto Insurance Cover Scratches?
Any damage caused by vandalism, including the scratches, is covered under the comprehensive insurance policy; the collision insurance policy covers scratches only if they appear after an accident or incident on the road.
Do I still need auto insurance if I don’t drive my car, or I’ve sold it?
You can have specific options if you do not drive your car or sell your car. If you considered the following advice, and this will most likely only benefit you. Spending money on the insurance that is not benefiting you currently might seem stupid. If your car is standing still in the garage, you can consider changing your insurance policy for it.
If you have sold your car, consider switching your car insurance policy to a non-owners insurance policy. This type of insurance policy helps cover your bodily injuries and any kind of property damage. If you ever decide to rent your car, this type of policy would most likely help you lower the limits for liability coverage.
Does my Kearney NE auto policy cover a rental vehicle?
The answer is yes. If you ever need to go by a rental car, your auto insurance policy should cover the rental car. It is the same as the one you own. Your liability coverage would be most likely covering the other vehicle’s damage. If you have a PIP, it will cover the other party’s medical payments along with yours.
Homeowners insurance covers for you in case your car gets stolen. If you do not buy a collision and comprehensive insurance policy, you might have paid a lot for the damages caused to the rental car. This insurance thus is important in cases of rental car accidents.
If you do not buy such an insurance policy, you might need to pay a lot of money in cases of rental car accidents. Spending a few dollars beforehand while buying the insurance policy is far better than spending more on the accidents later.