Are You Covered by Insurance in a Road Rage Incident?

In a perfect world, every car driver would drive their vehicle responsibly without having to worry about the improper or dangerous driving of the next car. Sadly, life is far from perfect and the roads can be an extremely perilous place for anyone who shares it. Fortunately, there is insurance that protects us from the very real likelihood of an accident.

Road rage is the term used for people who get behind the wheel when angry or upset and drive aggressively, venting their frustrations where they shouldn't be vented, causing chaos, disorder, fear and damage.

For the driver who falls into this category, the insurance will not protect them from a claim or ensuing lawsuit. Insurance companies have designed their policies in such a way that liability is insured in the event of an unintentional accident. In the case of road rage, the lack of proper driving etiquette is a deliberate act and the industry will not compensate for the losses.

Logic, of course, is in favor of this. But what about the victim of road rage? Does auto or truck insurance cover the victim?

While the "mad driver" is legally responsible for all damage, there are methods you can use to make sure you are covered the way you should. The industry offers the following options to all plans that give you the extra protection you might need from the dangers of road rage.

Auto Insurance with Full Coverage Included, as well as Collision Coverage, will benefit the innocent victim from vehicle or person damage, injury or even death.

Ultimately, however, every responsible driver – regardless of their level of coverage – doesn't want to be involved in a road rage event. So how does the “average Joe / Jane” protect themselves from victimization? The following will provide guidance:

1. Do not respond to any provocation. Giving a tit for tat can only serve to increase the aggressiveness of the perpetrator.

2. Pass through the other driver's room.

3. Close and lock all the windows of the car; Lock the doors.

4. Try to get away quickly.

5. Keep the Road Rager's license number in memory and report it to the authorities when you get home or when you leave your dock.

Being prepared is the best way out of a bad situation. For more information on road rage coverage and prevention, speak to an experienced independent agent who serves the community at large with all forms of auto, home, business, life and more insurance. again.