In a perfect world, every car driver would operate their vehicle responsibly without the need to worry about the next car driving inappropriately or dangerously. Unfortunately, life is far from perfect and the roads can be an extremely dangerous place for all who share them. Fortunately, there is insurance that protects us from the very real probability of an accident occurring.

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, causing chaos, disorder, fear and damage.

For the driver who falls into this category, the insurance will not protect you from a later claim or lawsuit. Insurance companies have designed their policies so that there is liability coverage in the event of an unintentional mishap. In the case of road rage, the lack of proper driving etiquette is a deliberate act and the industry will not compensate any losses.

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

While the ‘crazy driver’ is legally responsible for all damages, there are methods you can use to ensure that you will be covered as you should be. The industry provides the following options for all plans that give you the extra protection you may need against the dangers of road rage.

Auto insurance with comprehensive coverage included as well as collision coverage will benefit the innocent victim of the vehicle or personal injury, injury or even death.
However, when all is said and done, every responsible driver, no matter how much coverage they have, does not want to be involved in a road rage event. So how does the ‘average Joe/Jane’ protect themselves from being victimized? The following will provide guidance:

1. Do not respond to any provocation. Giving an eye for an eye can only serve to increase the aggressiveness of the perpetrator.
2. Allow the other driver’s space to pass.
3. Close and lock all windows in the car; Close the doors.
4. Try to drive away at full speed.
5. Memorize your highway driver’s license number and report it to authorities when you get home or pull off the road.

Being prepared is the best way out of a bad situation. To learn more about road rage coverage and prevention, talk to an experienced independent agent serving the community at large with all forms of auto, home, business, life and more insurance.