A major car accident can result in serious injury and, at the most extreme end of the spectrum, loss of life. Even a car accident which people might think of as ‘minor’, though, such as a low speed rear end collision can have a drastic effect on the people involved, involving either physical harm or psychological damage.
In the event of you being unlucky enough to fall victim to a car accident for which someone else was to blame, then you may be fully entitled to put in a car accident claim. It’s true that no amount of money can fully compensate for the distress and shock caused by a car accident, but car accident claims can help in the immediate aftermath on a practical basis, and, perhaps more importantly, a car accident claim can also feel as if it’s the first move towards a longer term recovery. There are many factors which can lead to car accident claims, such as:
• A negligent driver
• A pedestrian
• Poor road surface
• Faulty traffic signals
No matter what the cause, you can pursue a car accident claim on a no win no fee basis if you strongly feel that you have suffered as a result of someone else’s negligence. The injuries whic Full Article…
Don’t Let A Car Accident Leave You Out Of Pocket
How you can lower your auto insurance rates
Certainly, you want to make sure you get the best auto insurance rates you can. There can be many factors that go into calculating your rates and are difficult to control, such as ages, sex, credit history, income, and much more. But there are many things directly in your control that can help you get the best auto insurance rates available.
You need try to shop around online. Most auto insurers will give you a free quote online in minutes. Insurers more you buy, the more you’re likely to get the lowest rate available. You should also shop often, as insurers change their rates frequently. As time passes, the changes in your driving record can also impact positively on your auto insurance premium.
Remember to make changes to your level of coverage. Full Article…
Alcohol-Detection Research Backed by Members of Insurance Industry
A coalition representing everyone from safety advocates to auto insurance companies and the alcohol industry is asking Congress to approve $60 million for a five-year research program aimed at outfitting cars with automatic alcohol-detection devices that could keep drunken drivers off the road.
About two dozen groups and companies signed a letter sent last week to leaders of the House Transportation and Infrastructure Committee, calling on them to include the program in the next round of funding for surface transportation programs.
The bill would authorize $12 million a year to fund research conducted jointly by the National Highway Traffic Safety Administration (NHTSA) and automakers to equip cars with systems that could sense whether would-be drivers are under the influence and not allow them to drive.
The Driver Alcohol Detection System for Safety (DADSS) program is studying “in-vehicle” technology that would measure a driver’s blood alcohol concentration (BAC) through means such as touch sensors on the steering wheel or sensors that monitor a motorist’s breath or eye movements.
More than 10,800 people died nationwide in crashes involving a drunken driver in 2009, the most recent year for which statistics were available, according to NHTSA. Those d
Wyo. and Colo. Insurers See Nearly $285 Million in Storm Losses
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Study Challenges Assumptions about a High-Risk Insurance Group
Children may be far safer with Grandma or Grandpa driving than with their parents behind the wheel, according to a new study that is raising eyebrows nationwide.
Researchers at Children’s Hospital of Philadelphia found that kids’ odds of being hurt in an auto accident were reduced by as much as 50 percent when a grandparent was driving, rather than their mother or father.
The study—which analyzed insurance claims data from accidents involving nearly 12,000 child passengers under the age of 16 that occurred between 2003 and 2007—focused on injuries resulting from crashes rather than which age group crashed more often.
Researchers found that about 1.05 percent of children in the sample were injured while riding with parents, as compared to 0.7 percent who were injured while being driven by grandparents, a 33 percent reduction in risk. The dis
Auto thefts are on the decline and is the lowest since 1967
Auto thefts in the US have reached the lowest levels since 1967. There had been a drop of 7.2% during 2010. It is the 7th consecutive year that there has been a decline in auto thefts and this is largely due to the safety features as well as measures taken by the police force. This has acted as deterrents state experts in the auto insurance sector.
The number of thefts has declined steadily. The figures were at 794,616 during 2009, but there has been a decline of 7.2% during 2010, as per the preliminary reports from the National Insurance Crime Bureau. The non-profit trade group stated that Dallas, New York City region, Los Angeles, Miami, and Detroit were among the 257 urban areas that reported fewer thefts in recent times.
Almost all auto insurers including State Farm Mutual Automobile Insurance Co. and Allstate Corp. offer motorists discounts if they install safety features in their vehicles. Installing anti-theft devices and other built-in security features will help avail discounts in auto insurance premiums.
Four Eeasons Your Zip Code Affects Car Insurance Rates
Your car insurance isn’t solely determined by your age, driving record and the type of vehicle you own. Where you live also plays a huge role in how much you’re going to end up paying. The premiums your insurance company calculates come from many risk factors, but none is as easy to understand as your zip code.
Geography
Zip codes correspond closely to the geographic regions of the United States, mirroring and including the cities and towns that dot the country. As a result, each zip code provides your insurer with a good indicator of the local level of urbanization. Drivers who live in zip codes associated with major cities and large population centers are at high risk for accidents.
Traffic
Increased traffic levels raise the likelihood of collisions, as do the number of traffic signals and pedestrians. Driving in cities can be insanely hazardous, and insurance companies routinely rely on assessments based on zip codes to determine the threat to their clients and their vehicles. In
Public auto insurance is the best, provided it is executed well
The IBC or the Insurance Bureau of Canada has been actively convincing the British Columbians since the last four years stating that the private insurance system provides the best service and would be much better than ICBC. However, there seems to be overwhelming evidence to show that when the government takes up something and does it right, the choice between private and public would become quite obvious.
Just last week Lindsay Olso had argued on behalf of the IBC and stated that the insurance rates in B.C. would actually decline if it had to come under the private system. Olson argued on behalf of Insurance Bureau of Canada but when you go through the research conducted by neutral, independent organizations such as the Consumers’ Association of Canada, the numbers given by IBC simply doesn’t add up. The CAC studies have shown how the auto insurance rates vary across the different states throughout the country even if it is the same driver driving the same vehicle holding the same driving record.
Time and again it has been seen that B.C. alo
Facts you should know about medical claims
A general hospital in Kettering has revealed it has paid out just under $3m in medical negligence claims over the past year.
Any of the 28 incidents could have occurred at any point since 1995; however, the claims have just come to light over the previous 12 months. There are no details about the cases, but the compensation includes: $1.7 million in damages and about $1 million in costs for the hospital.
In January 2010, it was revealed that there were plans to improve the hospitals safety, and a patient’s survey conducted in 2009 showed that a main question concerning patients was if they were safe in the hands of the hospital. This led to an internal safety campaign being launched, where the main implementations were for the staff to accompany patients around the hospital where they identify any safety problems concerning them. A Full Article…