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Safety Features

Must Haves for Driving Safely

Two Principal Safety Categories

Manufacturers design various safety features to avoid crashes and/or protect you and your passengers if a crash occurs. While most vehicles on the road today have equipment such as anti-lock brakes designed to help you avoid a crash, a variety of new, high-tech devices are in various stages of development and testing.

Size Matters

Millions of crashes involving tens of thousands of deaths occur every year – so it’s critical to select one of the vehicles that are most likely to protect you from death or injury if you should be involved in an accident.

While many factors enter into our decision to select a specific car or vehicle, size is an important consideration. The death rate for occupants of small vehicles is more than double the death rate for occupants of large cars. Finding a car that offers you the most protection while still comfortable with handling the vehicle is a balancing act. If you review the safety ratings of vehicles you will notice that medium and larger vehicles are often rated more highly on safety.

However, vehicles weighing more than 4,500 pounds, such as large SUVs, offer only slightly increased protection for occupants while increasing the injury risks for people in other, smaller cars.

Safety Systems

Safety systems to protect you in a crash have come a long way. First we had safety belts and then a single air bag. Today our vehicles have sophisticated engineering to protect us. Our safety system includes a safety belt, seat design and numerous airbags. Each of these components contributes to safety but more importantly they're designed to be used in combination. For instance, not wearing a safety belt in a car that has airbags can be very dangerous and cause the driver to "submarine" under the air bag in the event of a crash.

Electronic Stability Control (ESC)

ESC has already proven to be highly effective. ESC helps drivers maintain control in the worst on-the-road crisis – loss of control at high speed – when the electronic stability control engages automatically to help bring the vehicle back into the intended line of travel. The device aids braking, assists in emergency handling, and improves rollover resistance. ESC lowers the risk of a fatal single car crash by about half, and the risk of a fatal rollover crash by as much as 80 percent!

Air Bags

All new cars have driver and passenger frontal air bags, and most models now offer side air bags as well. Air bags inflate in a fraction of a second, offering excellent protection.

Some vehicles without rear seats, such as pickup trucks and sports cars, have a passenger air bag on-off switch, which allows you to disable the air bag. The air bag should be switched off only if you are transporting a passenger whose age, size or medical condition puts him or her at increased risk for an air-bag-related injury. (Children under the age of 13 should always ride in the back seat because of the danger posed by the air bag to those of small stature.)

Lap-and-Shoulder Safety Belts

  • Always wear safety belts and wear them correctly.
  • Drivers seat adjustments: be sure your drivers seat is properly adjusted to maximize safety in the event of a crash.
  • Check the seat adjustments: can you raise it high enough so that you can see at least three inches over the wheel?
  • Does the seat back adjust so that the entire length of your back fits against the seat back? Are you comfortable with your seat back fairly straight (another way to prevent “submarining”)?
  • Be sure to leave at least 10 inches between your breastbone and the steering wheel to protect you from the air bag.
  • Can you easily reach the gas pedal, and fully depress the brake (and the clutch) without lifting yourself off the seat cushion?
  • The driver’s seat is one of the most under-appreciated safety features in any car. Make sure you purchase a car that has a seat that fits you!

Additional Features That Can Contribute To Safety

  • Instrument Panels that are easy to read at a glance or voice controlled features that allow you to keep your hands on the wheel at all times.
  • Backup cameras with Ultrasonic Parking Assistance
  • Cornering headlights
  • Headlight Washing Systems
  • Narrow windshield and window pillars that allow a full view of the road
  • Rear windshield wiper, especially if the car is a station wagon, hatchback or van
  • Lane departure warning systems
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This auto and home insurance program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. CA License #5152. In Washington, the auto program is underwritten by Hartford Insurance Company of the Midwest, and the home program is underwritten by Hartford Fire Insurance Company. In Michigan, the auto and home programs are underwritten by Hartford Underwriters Insurance Company. The homeowners product is not available in all areas, including the state of Florida. Specific features, credits, and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify.

In Texas, the auto program is underwritten by Southern County Mutual Insurance Company through Hartford Underwriters General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. In Texas, the home program is underwritten Hartford Fire Insurance Company.