When someone decides to get behind the wheel and drive, they have more control over their own fate as well as anyone else on the road than they may realize. A large number of people admit to driving while under the influence.
Research from the National Highway Traffic Safety Administration found twenty percent of drivers confessed to driving a vehicle within two hours of drinking alcohol within the past year. Driving under the influence has resulted in thousands of deaths. Almost 12,000 people were in fatal accidents because of a drunk driver in 2008, according to the NHTSA.
Even if a person is a smart driver and avoids alcohol before driving, that doesn't mean everyone else on the road is the same way. Given that no one knows when they may be involved in a fatal accident, it's best to plan for the unthinkable.
Having life insurance, for example, is a wise financial decision for the breadwinner in a family to have. While a price tag cannot be placed on a person's life, money can help make dealing with the loss easier to adjust to.