Nobody hops in their car, thinking, "Today feels like a good day to crash." But accidents happen—sometimes in totally unexpected and avoidable ways. You're not alone if you've ever bumped a shopping cart or misjudged the distance between your car and that suspiciously close mailbox. In this blog, we're breaking down the most common types of car accidents, discussing some real-life oops moments, and showing you how to steer clear of trouble.

1. Rear-End Collision

These are the classic fender benders—you hit the car in front of you, or someone hits you. Usually, this happens because someone was following too closely or got distracted by a text on their phone

To avoid rear-end collision, keep a safe distance between you and the car in front of you (the three-second rule works excellent). Stay focused, especially in stop-and-go traffic. And please—skip the playlist scrolling while driving.

2. Parked Car Damage

There's nothing quite like walking out of a store, arms full of groceries and good intentions, only to find your car looking like it went twelve rounds in a demolition derby—scratches on the side, a mysterious dent on the door, and your side mirror hanging on for dear life. The worst part? No note. No witness. Just you, your bruised bumper, and a growing sense of injustice.

To avoid damaging your parked car, opt for end spots or areas with more space around them, even if it means walking a few extra steps. Take your time maneuvering, use your mirrors, turn your head, and avoid squeezing into tight spots just to be a few feet closer to the entrance. Your car—and your insurance deductible—will thank you later.

3. Single-Vehicle Accidents

This one involves just you and your car—like hitting a deer or a pole or driving into a ditch. It is often caused by speeding, poor weather, or distracted driving.

Slow down in bad weather, watch for road signs, and stay alert. If you're tired or distracted, pull over before you end up part of someone's garden.

4. Backing Collision

This happens when you're reversing and don't see what's behind you. It could be another car, a pole, or, in worst-case scenarios, a pedestrian.

Reversing a vehicle requires full attention and awareness. Before moving, take a moment to check all your mirrors and blind spots carefully. Don't just rely on glances—be thorough. Physically turn your head to look over your shoulder and ensure there's nothing or no one behind you.

While backup cameras and parking sensors can provide valuable assistance, they are not foolproof. Small children, low obstacles, or fast-moving pedestrians can go unnoticed if you depend solely on technology. Always reverse slowly and cautiously, giving yourself enough time to react if something unexpected enters your path. If you're unsure or visibility is limited, don't hesitate to stop, reassess, or even get out and check. A few extra seconds of care can prevent a costly or tragic mistake.

5. Crashes at Intersections

These usually happen when drivers run red lights, fail to yield, or make poor judgment calls on who has the right of way.

When approaching an intersection, exercise caution and maintain full awareness of your surroundings. If the traffic light shifts to yellow and you have not yet entered the intersection, come to a complete stop—rushing through risks a catastrophic collision. Never assume that other drivers will yield the right of way; their actions are unpredictable, and complacency can lead to disaster. Prioritize defensive driving by staying alert, anticipating potential hazards, and adhering strictly to traffic signals to ensure your safety and that of others on the road.

6. Windshield Damage

Small rocks, flying debris, or unexpected hailstorms can leave your windshield looking like it took a punch.

Keep your distance from trucks carrying loose material to reduce the risk of windshield damage. Avoid roads under construction when possible, and repair minor chips before they become significant cracks.

7. Head-On Collision

This is one of the most dangerous types of accidents. It occurs when two cars going in opposite directions crash front-to-front.

Staying safe on the road starts with the basics—always remain in your designated lane, follow posted speed limits, and obey all road signs and traffic signals. These rules are there for a reason and are especially critical in unfamiliar areas where road layouts and local driving habits might differ from what you're used to.

If your GPS directs you somewhere that doesn't feel right—like a one-way street or a confusing intersection—don't blindly follow it. Pull over in a safe spot and double-check your route before proceeding. Modern navigation tools are helpful, but they're not infallible.

Equally important is minimizing distractions while driving. That means putting away your phone, lowering the volume of conversations or music, and focusing entirely on the road—especially when driving in a new area. Being alert and attentive protects you and the other drivers and pedestrians around you.

8. T-Bone Collision

Also known as a side-impact collision, this usually happens at intersections when one driver fails to yield or runs a red light.

Intersections are among the most common places for serious accidents, which makes caution non-negotiable. Always come to a full and complete stop at stop signs—no rolling through or quick pauses. Even if you don't see another vehicle, a pedestrian or cyclist could be approaching from a blind spot.

Obey all traffic lights without exception. Running a red or even a stale yellow can put you directly in the path of cross traffic, often with devastating consequences. Before entering any intersection—even when you have the right of way—take a moment to scan both directions. Look out for red-light runners, distracted drivers, or anyone who might misjudge the timing. A few seconds of extra awareness at an intersection could mean the difference between a safe trip and a serious collision.

9. Sideswipe Accident

This occurs when two vehicles rub sides—usually during lane changes or merging.

Lane changes and merging may seem routine, but they demand your full attention. Always use your turn signals to communicate your intentions clearly to other drivers—this isn't just a courtesy. It's a critical safety measure. Signaling too late or not at all increases the risk of sideswipe accidents, especially in heavy traffic.

Before moving into another lane, check all your mirrors and turn your head to check your blind spots. Relying solely on mirrors isn't enough—vehicles, motorcycles, or even cyclists can easily be hidden from view. Also, ensure ample space between your car and the one in the lane you're entering. Cutting it too close can force other drivers to brake suddenly or swerve, leading to avoidable collisions. Patience, communication, and spatial awareness go a long way in preventing sideswipe accidents.

Conclusion

Accidents may be common, but most are completely avoidable with a little more attention, a little less rush, and a solid dose of defensive driving. But even the safest drivers can’t control everything on the road—and that’s where Tennessee Auto Insurance Agency comes in.

Ready to protect your car and your wallet? Contact Tennessee Auto Insurance Agency today  or get a quote. 

Got a lesson you learned the hard way? Share it in the comments.