Car Insurance Deals

The spiralling cost of car insurance premiums could be curbed if the government clamped down on whiplash claims and insurers were banned from selling on customer information, according to MPs.

In a report, the transport select committee warned that soaring premiums are “primarily the result of market dysfunction and, in particular, the escalation of uncontested claims for whiplash injury”.

According to the Association of British Insurers, whiplash claims are now costing insurers and customers more than £2bn a year. This adds an extra £90 to the average motor insurance premium.

Over the last three years, says the ABI, the number of people claiming whiplash has jumped by 32% to 570,000 a year, but the number of accidents reported (less than 210,000) has fallen by 16%.

The transport committee called for the government to raise the threshold for the payment of any compensation in whiplash cases. “

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As many of you commuters in the Southfield and Farmington Hills area know, a six-mile stretch of I-696 was shut down this morning for many hours.

The reason for such drastic measures by police is a great tragedy. A pedestrian was trying to change a tire when he was struck multiple times and killed on the highway, according to published reports. After the initial crash, there was a subsequent auto accident that sent three people to the hospital.

Police are still investigating the accident, and they are asking that anyone with information, who might have seen something or struck something, call the Michigan State Police at (248) 584-5740.

In the meantime, our auto accident attorneys want to leave you with some safety tips from the National Safety council on what to do if you have a tire blowout on the highway.

1. SLOW DOWN. It is first and foremost the responsibility of other drivers to slow down when they see vehicles at the side of the road and to change lanes away from the stalled vehicles using their turn signals.

2.

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My daughter was seriously injured in a car accident in September 2009. A passenger in the other car was killed and the driver imprisoned for dangerous driving.

His insurer, Admiral, should be paying for my daughter’s treatment but is arguing over liability. It made an offer last August but her solicitor is not happy that he has everything needed to complete the valuation. My daughter does not know whether to accept the offer or continue waiting. She has legal expenses insurance on her motor policy with NFU Mutual which pays for her solicitor. IK, Pontefract, West Yorkshire

NFU has promised to push this along and wrote to your daughter explaining the legal position. Admiral produced a shock: it has still not accepted liability and says it may not legally be liable for her claim. Its policyholder, who caused the accident, had not revealed a previous conviction for driving without insurance. When Admiral realised, it voided his policy which means he was not insured at the time of the accident.

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I was quoted last week in a Channel 4 news story about the repercussions of the proposal to repeal Michigan’s helmet requirement. I was interviewed by Dr. Frank McGeorge and asked to give my view as a Michigan motorcycle accident lawyer about whether Michigan should repeal it’s mandatory helmet law.

Dr. McGeorge got it right. As

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Car insurance is something that anyone who drives a car has to have – and without it, you could end up in serious trouble with the law. Some people also end up paying more than they need to for their car insurance, often because of their driving habits. Why does this happen?

One of the main reasons careless driving leads to higher insurance costs is because drivers who don’t take as much care over their driving as they should are more likely to need to claim on their insurance. For example, speeding or failing to check your mirrors when you are supposed can lead to accidents – sometimes quite serious ones – which lead to claims on your insurance.

Also, drivers who are considered to be careless often have some sort of traffic conviction that means they have points on their driving license. You need to tell your car insurance company when you have got points on your license, and this can have a serious impact on how much you are asked to pay for your insurance cover.

Drivers who fit the profile of those who are statistically more likely to drive carelessly can also be penalised in terms of their insurance costs. For ins Full Article…

Accenture has signed an 8-year business process outsourcing (BPO) contract with BNP Paribas Cardif to manage an important portfolio of BNP Paribas Cardif’s group life insurance policies business in France.

The consulting and information technology (IT) services firm will manage the administrative management of the insurer’s call centers and ancillary accounting operations.

The agreement is intended to enhance the quality and efficiency of services BNP Paribas Cardif is providing to its clients, leveraging an IT platform that benefits from Accenture’s expertise and competencies.

Designed to become an industry standard, the platform will support BNP Paribas Cardif’s growth agenda and reinforce its market position in the group life insurance business.

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The concept of life insurance might be familiar to you, but the concept of whole life insurance policy might sound strange. In fact, it only means a complete package offered by whole living insurance providing organizations and contractors. It is an option including protection for you and your family in different delicate situations, and one of the methods used to make sure your kids will have a bright future even if you suffer an accident or you can’t provide everyday living means for them.

I am still young. Why should I think about a whole life insurance policy?

Well, this must not be a justification. On the contrary, the fact that you are young means you will be covered by the policy for a longer period, so you will benefit of a bigger retirement fund. Of course, this option is available only with the unit-linked insurance policy, and this is the kind of policy to look for. Among other things the policies offer a guaranteed cash value.

What is a unit-linked insurance policy?

With this option, you should not think about your policy just as you think about a bank rate. T Full Article…

“Highly profitable” is how former  Insurance Commissioner Jay Angoff describes  Michigan’s largest auto insurance companies.

This comes as no surprise to our  Michigan insurance lawyers. Michigan is one of the only states in the entire country that does not have an insurance commissioner with the authority to regulate insurance company profits.

Considering  the record-breaking insurance company profits these companies are making today, it certainly puts the “reform” the insurance lobby is pushing – the No-Fault “reform” bills – in a much different light.

Why take away incredibly important protections, such as lifetime necessary medical care, when insurance companies are already making the highest profits in the country; and when there are no guarantees (or even any language) in any of the bills that taking these valuable No-Fault insurance benefits away from us will even result in lower rates?  Lest we forget, we’ve gone down this road before and each time has turned out to be a lie. It is hard to see ho

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Airline pilots are the safest drivers on the road, while party DJs are the most risky, according to an analysis of a year of car insurance quotes sought by customers at Confused.com.

The captain of a 747 will typically pay just £321 a year for car insurance, while a mobile disco owner, who probably makes more late night journeys, will be charged on average £6,810 a year.

Occupation is just one of the risks that determine the size of a car insurance quote, with other factors such as age, location, type of car and driving history usually more important. But some jobs suggest a level of risk that send insurers scuttling.

After mobile disco owners, apprentice professional footballers are the riskiest drivers, said comparison site Confused, and are typically charged £6,264, although that may have something to do with a penchant for souped-up cars.

Football match referees also pay a high price for cover, facing an average car insurance bill of £3,679. The

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