Accident Prone:  When Car Accidents Happen True or false: You're more likely to be involved in a car accident in the winter when roads are slick and driving tricky? False. According to the most recent car accident statistics available through Canada's National Collision Database, collisions happen most often in October, August, and July.

Surprised? So were we, and you'll likely continue to be surprised when you learn more about when collisions traditionally happen and under what conditions.

Canadian Car Accident Statistics

Take the test. When do you think collisions are most likely to happen on Canadian roads?

  • Mondays versus Fridays?
    Fridays. The most accident-prone day of the week is Friday followed by Thursday. Hands downs, the most collision-free day is Sunday.
  • Rush hour versus any other time of the day?
    This one likely comes as no surprise. The peak time of day for collisions is between 3 p.m. and 6 p.m. Interestingly though, the morning rush hour (from 6 a.m. to 9 a.m.) isn't the second most common time of day for a collision; that's from noon until 3 p.m.
  • Clear and sunny or when it's raining?
    Overwhelmingly, most collisions in Canada happen on clear and sunny days followed by overcast, cloudy days and rain days.
  • Dry, wet, or icy roads?
    Since most accidents happen when it's clear and sunny, this one should be easy; more accidents happen when roads are normal and dry, followed by wet roads; icy roads came in third.
  • Driving solo or with passengers?
    The vast majority of accidents occur when alone.

Car Accidents And Your Car Insurance

How a car accident affects your insurance will depend on whether you were at-fault (even partially) or not at-fault.

An at-fault accident can be costly, which is why when we're behind the wheel we need to nip bad driving habits in the bud and drive with care no matter what time of day or the weather. To get a feel for how much an at-fault collision could affect your insurance rate we compared quotes for a 35-year-old driver of a 2015 Honda Civic (Canada's best-selling car) in Calgary, Toronto, and Montreal with a clean driving record. We then layered in an at-fault collision so you could see how much your insurance rates could possibly increase.

City Clean driving record 1 at-fault accident
Calgary $1161 $1818
Toronto $1477 $2632
Montreal $519 $605

Like accidents, tickets can also affect your car insurance rate. Read, "Traffic Tickets, Fender-Benders And Your Insurance" for more information, or see for yourself and compare car insurance quotes today.

There are lots of interesting tidbits to be found at Canada's National Collision Database.

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