The Best Car Insurance Companies for 2020
Car insurance is always a good idea. Careful and responsible driving goes without saying, but we drive on roads that can be unsafe and not all drivers exhibit calm caution like you do.
After a wreck, car insurance coverage can save you a lot of trouble — and a lot of money! Plus state laws require liability coverage and lien holders often require comprehensive and collision coverage.
But searching for the best auto insurance can drain your time and energy. You probably don’t have all week to plow through endless pages of information.
So I’ve done some research for you and have compiled a list of best car insurance companies.
21 Best Car Insurance Companies
I selected the top-rated companies below based on customer reviews, A.M. Best’s financial stability ratings, J.D. Power’s Insurance Shopping Study, and my personal experience to an extent. I also consulted the National Association of Insurance Commissioners (NAIC) for some details.
You’ve heard of a lot of these companies but others may not be as familiar. Not every company sells full coverage in every state; I’ve indicated limited availability when it applies.
Here are 21 companies that stand out as the best car insurance providers in 2020:
- 🏆 Progressive
- Erie Insurance
- State Farm
- American Family
- Liberty Mutual
- The Hanover
- 21st Century
Progressive is another big name that performs well for auto owners across the nation. This company’s Snapshot tool lets you share your actual driving data with underwriters. This could save you money if you’re a good driver.
Progressive gets fewer complaints than average, the NAIC says. And the company has lots of discounts available. Pet owners like Progressive because this insurer could even reimburse you for your pet’s injuries after a wreck.
- Discounts: Lots of possibilities ranging from good grades to going paperless.
- Online access: Progressive has solid online tools for claims and policy management.
- Diminishing deductible program: Going accident-free month after month can lower your deductible for comprehensive and collision coverage.
- Good for new cars: Progressive will pay 25 percent above your newer car’s value if it’s totaled to fill in the gap.
- Not all features available everywhere: Not all coverages will be available everywhere. Rideshare insurance, for example, varies from place to place.
- Complaint ratio a touch high: The NAIC shows slightly more complaints than you’d expect based on Progressive’s size.
- Read our full Progressive Insurance Review.
Allstate is an excellent option – and it’s one of the largest insurance companies in the United States.
The company offers a long list of discounts on insurance premiums (like Safe Driving, Good Driver, Multiple Policy, etc.) – more discounts than the other 12 major national companies.
Allstate’s app makes the auto claims process simple. Just snap up a few pictures and send them in. You can also chat with customer service reps directly from the app about your policy or other general questions.
Allstate also has insurance agents available in almost every town across America for shoppers who need personalized service or just don’t want to deal with technology.
I will note that Allstate isn’t the best choice if your credit score is poor or if you have a bad driving record. For those drivers, Amica could offer more competitive rates.
- Sharp mobile app.
- Personalized insurance guidance.
- Discounts and bonuses.
- Not great if you have a poor credit score.
- Not great if you have a bad driving record.
- Read our full Allstate Car Insurance Review.
Are you a tech lover? Then GEICO may be just the insurer for you.
GEICO’s app has more than 1.9 million reviews in Apple’s App Store alone, and averages a 4.8-star rating. This is better than any other insurer so you shouldn’t have trouble managing your policy from your pocket.
What’s the secret to the app? Simplicity and transparency.
In addition to the convenience of its digital tools, GEICO also offers competitive prices and quick service.
- Superior app. The GEICO app gets a lot of praise. The app makes it super easy to reach an agent, get a quote, manage your insurance, and make payments.
- Plenty of discounts. There are plenty of discounts to choose from – from multi-vehicle to equipment. And, if you’re a military member or a federal employee, you could get additional offers. (GEICO got its start in 1937 by serving government employees.)
- Digital-only experience. With GEICO, you’ll get a smooth and quick digital experience – but if you’re looking to deal with an agent in person who will be there to solve all your insurance problems, GEICO won’t always be able to offer you that. This insurer is growing a network of local agents but it has a ways to go.
- Not great for drivers who have had an at-fault accident within five years. If that’s you, you may want to look elsewhere. GEICO provides higher quotes for higher-risk drivers than other insurers.
- Read our full Geico Insurance Review.
4. Erie Insurance
Erie Insurance is an excellent choice — if you live in one of the 12 states with auto coverage. Erie ranks high in customer satisfaction, price, and policy offerings. The NAIC reports Erie’s customers are generally happy with the company’s auto insurance products.
Erie helped bust the myth that Millennials are not interested in cars: in 2018, their research showed that 85 percent of Millennials who don’t have a car are planning to get one.
- Fewer customer complaints: Customers of Erie Insurance don’t seem to run into trouble as much. In 2018, it had fewer than the median number of complaints to state regulators, according to the NAIC.
- Locked auto insurance rate. Nobody likes increasing premiums. With Erie, your rates won’t change unless you change cars, drivers, or coverage levels.
- Limited availability. Erie Insurance only operates in 12 states – Indiana, Illinois, Maryland, Kentucky, New York, Ohio, North Carolina, Tennessee, Pennsylvania, Virginia, West Virginia, Wisconsin, and some parts of the District of Columbia.
- No app. Erie has a sleek website but you couldn’t manage your account or file a claim from an app — a problem for a lot of drivers. Erie does have a telematics app to track your driving habits and possibly lower your monthly premiums.
5. State Farm
People who like meeting with insurance agents to discuss their coverage options often pick State Farm because this insurer has so many local offices nationwide.
State Farm has great programs for younger drivers which include driver training courses to lower rates. But people with poor credit may pay higher premiums.
Customer service can be fantastic or it can be pedestrian — it’ll depend on the performance of your local agent.
- Competitive rates: Because of its size, State Farm can compete with anybody’s best rates for auto insurance.
- Nice mix of old and new: State Farm is an in-person company but it has also embraced 21st century technology online.
- Proactive for young drivers: Drivers under 25 can access some helpful educational tools for lowering premiums through State Farm’s Steer Clear program.
- Service varies: Your local agent will be key to your claims satisfaction. You may want to meet your agent before signing up.
- Repair quality questions: Some policyholders have complained about State Farm’s reluctance to pay for authentic parts; may not be a great option for European cars.
- Read our full State Farm Insurance Review.
Seniors who want to pay less for their car insurance coverage like Farmers because they can take a defensive driving course and save on premiums. With most companies, seniors pay higher rates because statistics show they have more wrecks.
Other drivers can prove their skills as well through Farmers’ Signal app which tracks your driving and adjusts premiums accordingly. Of course, if your driving habits aren’t so great, you could pay more because of the app.
Farmers also prides itself on making its claims process easy to navigate.
- App: Farmers has a top-notch online and mobile experience.
- Accurate quotes: Farmers’ auto insurance quotes tend to match their premiums because the quote process is so thorough.
- Discounts: Farmers has a full array of policy discounts available.
- Customer service complaints: Farmers gets slightly more than an average share of customer complaints, but most stem from policy management and not claims satisfaction.
- Company confusion: Farmers covers all 50 states but some products get marketed under different names such as Toggle and 21st Century.
- Read our full Farmers Insurance Review.
7. Amica Mutual Insurance
According to J.D. Power’s Insurance Shopping Study in 2019, Amica ranks high in all aspects – including website and policy offerings. It may not be among the largest insurers of the nation, but it is definitely mighty in terms of customer satisfaction!
J.D. Power asks customers who have filed claims about their experience, and Amica’s customers were happiest — that’s saying something since you normally file claims after a wreck or a theft.
- Customer Satisfaction. It consistently ranks high even for claims satisfaction.
- Amica offers some great discounts, such as loyalty, claims-free driving, and e-discounts (e.g., when you pay your bills electronically).
- Attractive built-in perks. Free lock replacement if you lose your keys (happens, right?), free repair of an airbag if it explodes, and more.
- There are no repair facility restrictions. You can use any shop for repairs.
- A variety of coverage options. Amica has one of the most extensive selections of driver and vehicle coverages – many of which aren’t offered by other companies.
- No online quotes. You can start entering your details for a quote online, but with Amica, you will have to get on the phone to get an official quote in the end.
- Expensive for the first year. Because Amica is a mutual company, the first year can be costly.
- The app doesn’t have a very high rating. Amica’s developers could up their game with their app a bit.
- Read our full Amica Mutual Insurance Review.
You may need to visit an independent insurance agent to buy Travelers Insurance’s auto coverage. It’d be worth the extra step, though, because Travelers is one of the best auto insurance companies in the nation.
Travelers’ accident forgiveness program and its expansive policies for brand new cars make it a great choice. The company has also added telematic-based underwriting which could save you up to 20 percent based on your driving habits.
- Low complaint ratio: For such a large company Travelers gets a small number of customer complaints.
- Lots of coverage options: Travelers specializes in auto coverage (and homeowners coverage) so its policy options often lead the industry.
- Accident forgiveness: Travelers has two accident forgiveness programs — one for wrecks and one for tickets.
- Repair Reputation: D. Power reports that Travelers customers aren’t always happy with repair timelines.
- Policy Access: Buying through an independent agent creates extra work for some policyholders. Plus, online access to your policy can vary from state to state.
Do you like cutting-edge apps? Esurance may be a car insurer worth considering. Allstate owns Esurance and underwrites its insurance products.
But Esurance offers something Allstate doesn’t — an all online experience and access to cutting edge apps to track your driving habits, find the cheapest fuel prices, and manage your policy.
- User-friendly website. Esurance started as an online agency back in 1999, before smartphones and apps could even expand the Internet to our pockets.
- Cutting-edge apps. Esurance has apps like DriveSense which allow drivers in 37 states to track driving behavior (e.g., speed time of day you drive, and hard braking). If you’re a good driver – you get rewarded with policy discounts.
- Allows you to manage your own policies. Like being in control? Esurance may be the right company for you.
- Widely available. Esurance is available in 43 states.
- Pay Per Mile program. This program is available in Oregon only for now. You could save if you drive only occasionally. Esurance may expand the program to other states, but it hasn’t yet.
- No in-person customer service. Again, if you’re looking for an agent you can meet and discuss your options – you won’t find that with Esurance.
- Higher rates. Esurance rates are higher than average, which means your pockets may be emptier than usual. It does offer an excellent user experience – but that comes at a price.
- Lower claims satisfaction. Customers who have filed auto insurance claims file slightly more complaints than average, according to NAIC findings.
- Different products in different states: Auto coverage from the same companies always varies throughout the United States. But Esurance’s insurance products vary more than most from state to state.
If you live in New Jersey or Pennsylvania, NJM may be an excellent option to think about.
This company receives great ratings when it comes to customer satisfaction and value.
- Competitive prices. NJM offers affordable premiums.
- High customer satisfaction. Generally, NJM receives great reviews from its users (especially when it comes to its claims process and coverage).
- Great for young drivers. NJM offer cheaper sample premiums for young drivers and single males. (Teen drivers almost always require higher premiums.)
- Cheapest for drivers with poor credit. The premiums offered to those with poor credit are more affordable than the ones provided by GEICO.
- Great for those with one at-fault crash. If that’s you, NJM may also be one of the best companies to insure with. The company shouldn’t charge you more than it charges other drivers. (NJM can do this because both its states, Pennsylvania and New Jersey, are no-fault states.)
- Excellent claims experience. NJM was the first company to receive J.D. Power’s Claims Certification. The certification recognizes brands that provide exceptional claims satisfaction – so you should get outstanding service in that area!
- Limited to certain areas and shoppers. NJM is available only in New Jersey and Pennsylvania and available only through an employer. If you live in one of these states and your employer offers this benefit, check it out.
11. American Family
American Family Insurance is in the top 10 for company size most years yet few auto insurance shoppers seem to know about this company.
Part of American Family’s success can be attributed to its customer satisfaction scores. The company rates well on NAIC’s complaint ratio index which measures customer complaints.
One of my favorite features is American Family’s life insurance-style payout if someone dies as a result of a car wreck.
- Apps: American Family lets you manage your account and file claims via its app. You can also tap into savings with the company’s apps that monitor your driving habits or your teen driver’s habits.
- Discounts: You can find most of the usual car insurance discounts on American Family’s easy-to-navigate site.
- Limited availability: Only about half of the 50 states have coverage from American Family.
- Lower claims satisfaction: Customers report delays in getting claims paid for comprehensive coverage.
12. Liberty Mutual
Liberty Mutual’s ads say you can save money by customizing your car insurance coverage and paying for only what you need.
In reality, you should do this with any insurer you choose — at least within the limits of your state’s laws and your lender’s coverage requirements.
But this strategy works particularly well with Liberty Mutual because this insurer has so many options and so many discounts. You’ll have a lot of opportunities for customizing.
- Modern apps and site
- Lots of coverage options
- Lots of discounts available
- A rating from A.M. Best
- Claims process can be cumbersome
- Customer service below average
Nationwide is a solid choice for car insurance coverage in every state.
I like Nationwide’s “On Your Side” annual review process. Each year you’ll be prompted to look at your coverage levels to see if they should be adjusted. This could save money if you have a shorter commute or you’ve moved across town.
- Solid coverage: Nationwide manages to stay right in the middle of the pack with its policy options and customer care.
- Simple apps: You can manage your policy, file a claim, and monitor your driving with Nationwide’s easy-to-navigate apps.
- Easy-to-get quotes: Get car insurance quotes in minutes on Nationwide’s site.
- Customer care woes: D. Power’s 2019 survey didn’t look so good for Nationwide. Claims and application process issues lowered the company’s results.
- Read our full Nationwide Insurance Review.
14. The Hanover
High-end car owners may want policy options to match their bigger investment. The Hanover specializes in this kind of coverage.
If you’re an audiophile with a custom stereo system, for example, The Hanover could cover your property better than most other leading auto insurance companies. The same goes for specialty after-market parts.
- Coverage for pets: Pet care can be included in bodily injury.
- Nice extras: You could get a free key replacement each year and coverage for your child’s car seat.
- Trip interruption coverage: The Hanover’s extras could make your auto policy resemble a travel insurance policy with its coverage for hotel rooms after a wreck or breakdown away from home.
- Cost: Naturally, you’d pay a higher premium for this level of coverage.
- Limited online: The Hanover hasn’t embraced online interactions.
- Limited availability: Motorists in only 27 states can access this coverage.
Military members on active duty, veterans, and their families can join USAA, an association that provides financial services, including auto insurance.
In fact, USAA got its start as an auto insurer about a century ago in Texas.
- Lots of bases: Military families can use USAA for banking and all sorts of insurance.
- Great customer care: You’ll see some complaints online, but overall USAA’s customer care ranks high with NAIC and J.D. Power.
- Limited availability: Only military families can join.
- Read our full USAA Insurance Review.
16. Clearcover Insurance
Clearcover may not appear in the list of major car insurers – but this innovative company does challenge the auto insurance giants throughout California!
- Uses AI to keep costs down. This translates into some of the best rates in the Golden State – all thanks to artificial intelligence.
- Quick application process. You could become a policyholder in minutes with the app.
- Great online-only experience. If you’re looking for a smooth online-only experience, Clearcover is excellent for that.
- Limited availability. Clearcover is only available to drivers in California.
- Online only. Again, that could be a con for someone looking to meet with an agent to discuss the most suitable options. Clearcover’s interaction is mostly online.
- New company. This could be a con to some people because newer insurance providers haven’t had time to prove their financial stability. Clearcover started in 2016. It is challenging the old-school ways of buying car insurance by offering quick and affordable quotes.
- Sells only car insurance. Unlike many other auto insurers which also sell different types of insurance, Clearcover is an auto insurance policy specialist. This means you won’t be able to bundle up your policies together, which may sometimes be a convenient way to get a discount.
17. 21st Century Insurance
21st Century Insurance is a smaller company with simple and straightforward car insurance policies. It’s connected to the Farmers Insurance Company which appeared earlier in this list.
I’m listing 21st Century here because its simplicity can keep down costs for California drivers.
- Versatile app. The app may not be super slick – but it does have the features you’d expect. You can view your policy documents, pay your bills, view insurance IDs, and file claims. What more could you want? Oh, and the app helps you call roadside assistance when you’re in trouble.
- Good rates for motorists with poor credit. On average, 21st Century Insurance offers cheaper deals than many other insurers to those with credit scores of less than 580.
- Limited availability. 21st Century only offers policies to drivers in California (and Hawaii).
- No online claims. If you want to file a claim, you’ll have to ring a phone number and speak to a person. How old-school.
18. Mercury Insurance
Mercury Insurance is also known for its affordable auto insurance rates, which may be great for those who prioritize getting a low price over everything else.
That said, based on the reviews I’ve read, customer service may not be the best – and submitting a claim could be a long and trickier than necessary process.
- Affordable rates for young drivers. Mercury Insurance offers some of the most best rates for young drivers.
- Mechanical Protection Plan. Mercury Insurance also offers mechanical protection, which includes things like 24-hour roadside assistance, rental car assistance, and others.
- Customer service. The great rates seem to come at the cost of adequate customer service staff since Mercury’s complaint ratio is higher than average.
- Basic coverage options and discounts. Mercury Insurance offers only a small number of coverage options. I guess that’s the price you pay for lower rates.
Safeco has all the basic coverages and a decent array of discounts. But its online options are limited. You’d need to work with a Safeco agent to finalize coverage.
This company’s accident forgiveness and new car protection program — combined with its potential for competing price-wise — was just enough to place Safeco on this list.
- Simple coverage: When you sit down with a Safeco agent you’ll have access to easy-to-understand car insurance policies.
- Accident forgiveness: This program could help keep premiums from inflating after one at-fault wreck.
- Difficult to access: You couldn’t complete the process online and finding a Safeco agent can be difficult.
- Average rates: Unless Safeco runs a promotion in your area it probably won’t offer your best rates.
20. Auto-Owners Insurance
Independent agents in 26 states sell Auto-Owners insurance coverage. This is quality coverage, rated A++ by A.M. Best year after year.
I’d list this coverage higher except for the hoops you have to jump through to buy a policy. You’d need to find an independent agent who’s authorized to sell the coverage.
If you already work with an independent insurance agent — which I can personally recommend — ask about Auto-Owners. It’s the real deal.
- Stability and Size: Auto-Owners was insuring cars before many roads were paved.
- Discounts and add-ons: You’ll find the usual assortment of ways to save on your insurance policy.
- Lack of availability: Only 26 states have this kind of coverage, and it’s available only through an independent agent.
I’ve talked about Metromile before – an intriguing pay per mile insurance which offers a low base rate with just a few pennies per mile.
Metromile is an excellent auto insurance company for those who drive only occasionally. Metromile is ahead of its competitors with its tech solutions.
- Great for occasional city drivers. If you drive fewer than 10,000 miles per year – you could save hundreds of dollars on car insurance.
- Tech-savvy solutions. Metromile’s mobile app allows you to check your mileage as well as many other cool things like finding your parked car, getting street sweeping alerts to avoid parking tickets, collecting and accessing data on your speed, distance and gas spend, and giving you updates on your car health. Pretty handy!
- Limited availability. Metromile is available only in Arizona, Illinois, California, New Jersey, Pennsylvania, Oregon, Virginia, and Washington. The company has expansion plans in other major American markets in the coming years.
- Not as competitive for frequent drivers. You are unlikely to save much if you drive more than 10,000 miles per year. In fact, you could pay higher premiums if you drive more than 1,000 miles a month.
- Read our full Metromile Insurance Review.
Other Car Insurance Companies Reviewed
While these companies did not meet our list of best car insurance companies criteria, they are still providers of car insurance that are worth your time to review:
Compare Auto Insurance Companies by State
State laws, population size, and claim frequency cause car insurance rates to vary by state.
Michigan, for example, is consistently listed among the most expensive states for car insurance, with premiums that are more than 60 percent higher than the national average.
Much like the cost, the reputation and service provided by a car insurance company also vary by region.
In fact, the differences can be so volatile that J.D. Power releases region-specific car insurance recommendations in addition to their nationwide ratings.
According to them, the highest-ranked companies by state/region in 2019 (the 2020 study won’t be released until about mid-year) were:
- California: Esurance
- Central: Shelter
- Florida: Allstate
- Mid-Atlantic: Erie Insurance
- New England: Amica Mutual
- New York: New York Central Mutual
- North Central: Westfield
- Northwest: PEMCO Insurance
- Southeast: Farm Bureau Insurance—Tennessee
- Southwest: The Hartford
- Colorado/Utah: State Farm
- Texas: Texas Farm Bureau
Explore companies based on where you live using the map below:
Understand Car Insurance Coverage Options
While having your state’s minimum requirements will keep you legally insured, this strategy likely won’t be enough to protect you financially in case of an actual accident.
But how much car insurance do you actually need? Where’s the sweet spot between protecting yourself but not overpaying?
In order to answer that, you first need to understand the jargon so that you can then create a policy with the right amount and types of coverage.
- Liability insurance: This is mandatory in all states. It covers the other driver’s expenses if you cause the accident. The two types of liability insurance are:
- Bodily injury liability: Pays for the injuries of the other driver, passengers, and pedestrians.
- Property damage liability: Pays for the repairs to another person’s car or property.
- Personal injury protection (PIP): Similar to bodily injury liability, except that personal injury protection covers your medical expenses, regardless of who caused the accident.
- Collision insurance: Like the contrast between personal injury protection (protects you) and bodily injury liability (protects others), collision insurance covers the repair or replacement of your vehicle in case of an at-fault wreck.
- Comprehensive insurance: Covers repair or replacement of your vehicle for anything that’s not a collision. For example, weather, fire or theft.
- Uninsured/underinsured motorist insurance: Protects you in case of an accident with an at-fault driver who is either uninsured or doesn’t have enough liability insurance to cover your expenses.
- Gap insurance: Covers any remaining balance between what you owe on your car and what it’s worth, in cases of total loss or theft. In other words, standard insurance will only cover up to the market value of your car. If you owe more than that, the difference will be on you unless you have gap insurance or another special coverage that fills the gap.
- Rental car coverage: Covers the cost of a rental car while your vehicle is in the shop.
- Pet injury coverage: Covers veterinary bills in case your pet is injured in a wreck.
- New car replacement: Will pay to replace a totaled car with one of a similar make and model, instead of only covering up to the actual cash value for your depreciated vehicle (similar to gap insurance).
Pro Tip: Do you drive a car you do not own frequently? You may need to look into non-owner car insurance to make sure you have the coverage you need.
Millennials are Overpaying for Auto Insurance
According to Business Wire, Millennials pay up to 44 percent more on car insurance premiums than other age groups. Wow!
Cheap car insurance is available, but avoiding higher premiums isn’t always something you can do.
Fortunately, I have some helpful tips to minimize your costs.
But remember: it’s not just about price. You want value (solid discounts, meaningful perks), highly rated customer service, quick claims response and processing, and easy digital experience (who wants to have to call their insurance company to get simple tasks done?), and competitive rates.
5 Tips to Save Big on Car Insurance
It’s not all about price when choosing a policy, but even so, you don’t want to overpay. Here are some helpful tips to keep your costs down:
- Shop around. That’s an obvious tip – but worth repeating! An insurer could be running a promotion in your area that would make a huge price difference.
- Compare prices BEFORE you purchase a car. As insurance premium costs vary by vehicle, make sure you know which types of cars to shop for to keep these costs to a minimum.
- Take advantage of affinity or employer discounts. Some employers belong to organizations that may help you get better car insurance offers for a lower cost – so it’s worth checking with your employer.
- Keep insurance in one place. Many companies offer great deals for bundling multiple policy types – such as renters, auto, and homeowners. Sometimes even life insurance coverage can be bundled in. Some companies offer discounts for having more than one policy with an insurer – so check to see whether that’s available.
- Maintain a solid credit score. That’s also a given. Maintaining a good credit score is important no matter what – but insurers often use credit-based insurance score which determines the rates they will offer. In other words, the better your credit score, the lower the costs.
Pick The Best Company for Your Needs
When it comes to car insurance, there is no single “best car insurance company.”
Coverage costs vary greatly depending on your location, driving habits and history, demographics, and many other factors.
Here’s what you need to do to make sure you choose the best company:
- Shop around. Happy with your insurer now? Great! But that doesn’t mean you shouldn’t shop around every year or two. In fact, there’s a little trick many insurers use called price optimization. This means insurers set rates based on how much they think a customer is happy to pay. How do they know that? That’s where it gets pretty scary – they know that from your social media posts, credit scores, and even shopping habits. But what you can do is to shop for new policies every couple of years online. They will most likely see this online activity – and that will keep them on their toes.
- Decide what’s important to you. Do you prioritize low costs? Coverage options? Apps or a sleek website? Consider these factors before you look because they can help you rule out options that aren’t suitable for your needs.
Find The Best Deals on Auto Insurance Today
Plenty of companies offer excellent car insurance options, but they all excel at different things.
Some may provide stellar customer service while others may offer low-cost options. Some are great for those who drive a lot – while others may be more suitable for those who only drive occasionally.
While the price is important, look around for other factors, too, once you’ve decided what matters to you.
Abe all else, make sure you’re protecting yourself from the financial strain a wreck could cause.