In spite of the substantial improvements to the safety design of automobiles, each year there are still a great number of insurance claims. Car accident liability is one of the biggest liabilities any motorist will have. In fact, a person stands a better chance of never having to use their homeowners insurance than they do never having to use their auto insurance. There are many reason for this. Driver error, distractions, intoxication, inclement weather, cell phones use, and road conditions are major factors in car accidents, and not one of them has anything to do with the design of an automobile. If becomes quickly apparent that in spite of the automobile industry's attempt to make every motorist a safe as possible on the roads, this responsibility is not shared with the motorists themselves. There will always be insurance claims. There will always be car accidents. But, if every motorist drove responsibly, there wouldn't be as many.