It is indeed very important to have a car insurance to insure our cars and properties in times of accident or collisions may we encounter. Even how careful and experienced driver we are that is not an indicator for our safety. There are some drivers who get very wild in the way, over speeding, lack of seminar that may somehow harm us. We must be a defensive driver. Many basic guidelines on how to avoid accident; don’t drive if you drink, if you drink don’t drive, follow the traffic lights, avoid over speeding, avoid overtaking to heavy vehicles, wear protective gears, give way always, presence of mind, read the signage carefully. These are some basic tips that a good driver should follow.