Repeated Damage on the Same Street at the Same Hour

Some incidents are isolated.

Others repeat.

When similar damage occurs on the same street, at the same hours, and in nearly the same way, the issue goes far beyond individual driver error. What appears as carelessness is often the result of habit turning into routine.

This article does not examine a single accident.

It examines how the same behavior, in the same environment, repeatedly produces the same outcome.

Repeated Damage Is Not a Coincidence

Insurance records consistently show that certain streets stand out at specific hours with similar types of damage.

This usually happens when three elements overlap:

• The same physical environment
  Road width, parking layout, sidewalk distance, and sightlines remain unchanged.
• The same time window
  Morning commutes, evening returns, school pick-up hours, or end-of-day fatigue.
• The same behavioral pattern
  Rushed parking, quick acceleration, automatic door opening, the comfort of “I’m here every day.”

When these three align, risk becomes invisible.

And invisible risk produces repeated damage.

The Illusion of Familiarity

After an incident, one sentence is heard again and again:

“I drive through here every day.”

It sounds reassuring.

From an insurance perspective, it signals the opposite.

As familiarity increases:

• Attention decreases
• Reaction time slows
• Risk becomes normalized

This is why damage on the same street and at the same hour often occurs at the exact same spot. Mirror-level contacts, door-opening impacts, bumper corners, and curbside touches repeat themselves.

Why Time Matters More Than Traffic

Most accidents do not occur during extreme congestion, but during predictable, routine hours.

Especially:

• 08:00–09:00 in the morning
• 17:30–19:00 in the evening
• Short trips made “just for a moment”

During these periods, drivers:

• Make faster decisions
• Perform fewer checks
• Focus on the destination rather than the surroundings

The result is not major crashes, but small, frequent damages.

What This Means in Insurance Terms

Repeated damage points represent behavioral risk.

These incidents:

• Are rarely severe on their own
• Occur with high frequency
• Accumulate significant cost over time

Risk, therefore, does not lie solely in the road itself, but in how and when that road is used.

Conclusion: The Issue Is Not the Driver, but the System

Repeated damage on the same street at the same hour tells us one thing clearly:

This is not bad luck.

It is the outcome of habit.

Insurance exists precisely at this point:

Not to explain a single incident, but to understand repeating risk patterns.

CAN Sigorta Heritage Note

For CAN Sigorta, repeated damage occurring on the same streets at the same hours is not a new observation. Since 1958, local records have shown that risk most often emerges not from sudden mistakes, but from the intersection of habits with place and time. Insurance, therefore, gains meaning not by explaining isolated accidents, but by recognizing recurring patterns, and this article stands as a present-day reflection of that long-standing field memory.