Four dead in car wrecks in one week

In the past week there have been four deadly wrecks in Horry County, and that could have an effect on auto insurance rates for Horry County.

"It's not common for them to happen all like that in a short amount of time. It is more common in the summer months because of the increased traffic with the beach," Lance Cpl. Sonny Collins with Horry County Highway Patrol says.

Russ Dubisky, Executive Director of the South Carolina Insurance News Service says that auto insurance rates do factor in the frequency and severity of the losses, and that deadly accidents do contribute to the severity factor.

But he adds they don't come into affect right away, and are usually factored in over an average of time. Meaning several sudden car accidents shouldn't cause an immediate spike in rates.

Friday July 13th, a deadly crash occurred on Highway 17 Business in Surfside beach. An 18-year-old woman from Surfside Beach was killed in a wreck that involved six cars.

On Saturday, July 15th, a motorcycle rider died on Highway 17 near Ocean Lakes Campground when his Harley Davidson motorcycle struck the side of a van after it pulled out across Highway 17.

Another fatal crash occurred on Tuesday, July 17th when a bus collided with a truck in Pawleys Island and on Wednesday, July 18th, the driver of a pickup truck died in a crash on Highway 22.

Highway patrol calls these days the "100 Deadly Days of Summer". They run each year around Memorial Day and last until Labor Day. Highway Patrol statistics show this year's Deadly Days are on par with recent years. As of July 20th of this year, we've had 98 fatal accidents. At this point in 2011, there were 101, and 96 in 2010.

Dubinsky does have some advice on how to keep your premium down.

"Things like keeping a clean driving record. There are new products entering the market such as pay as you drive that rewards those for less risky driving behavior. There are certain low mileage discounts that could be offered, and certain multi policy discounts," Dubisky says.

Other factors include the vehicle you drive, your driving record, the number of miles you drive each year, your age, and the amount of coverage you buy.

In the meantime, Dubisky says there are a few things drivers can do to offset any increase from a rise that might come due to the traffic crash increases.