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Archive for October, 2009

Auto Insurance news for Kentucky.

Thursday, October 8th, 2009 at  
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Teen auto insurance


Jackson (Kentucky): I am in Ketntuck.My freind is not wearing his seat belt- is this going to affect his auto insurance. I know this might sound silly – but I would like to know if this affects car insurance?

Auto insurance and safety

Response: Jackson, your question is not silly to an insurance underwriter. Insurance is logical. If you do not wear a seat belt than you are doing away with a safety feature and are more likely to have a higher claim or injury incase of an accident and this will certainly affect your auto insurance rate. Here is a recent news of 30th September 2009 especially for Kentucky:

“Kentucky state officials say highway fatalities are up slightly this year in Kentucky, and more than half of the victims were not wearing seatbelts.
There were 586 fatalities as of Sept. 30, up five from the same time last year.
The numbers come from the Kentucky Office of Highway Safety. About 22 percent of the deaths involved alcohol and 13 percent were motorcyclists not wearing a helmet.
Boyd Sigler, director of the agency’s division of Highway Safety Programs, says the numbers show “there is still work to be done” when it comes to highway safety education.
There were a total of 826 fatalities on Kentucky roadways in 2008.”
Yes, safety matters and I would advice your friend that as per insurance the probability of his having a fatal or bad injury with a seat belt are less than without a seat belt and hence he can certainly get no tickets, less injuries and cheap teen car insurance quote.

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Personal Auto Insurance- Teen Driver

Wednesday, October 7th, 2009 at  
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Teen auto insurance


One of my insured has a teen driver in the household with some major driving issues, including three at-fault accidents during the past year and two speeding tickets. We are now excluding the teen driver from the family auto policy that covers the insured, his wife, and another child at college. To avoid having the family policy and umbrella non-renewed, the teen driver now has a stand alone policy with a captive insurer which priced the teen driver policy at $7,000/year for liability only. They were our only market to even quote.

Here’s the issue…the auto the teen drives is still titled in the insured’s name. If the teen driver is involved in a catastrophic accident: 1) Would the family policy provide defense if my insured is named in a suit since he is on the title; 2) If we titled the car in the teen’s name, would that take care of the issue?

In my opinion, since the teen driver is specifically excluded via endorsement, there would be no coverage under the auto policy in case of an accident. The umbrella would follow form and exclude coverage as well. Therefore, my client is assuming an uninsured risk, and a big one at that. My client has very deep pockets, and is leaving himself open to some major potential issues. Depending on how a claim would be handled against my insured, perhaps the homeowners would even pick it up if there were some sort of vicarious liability for allowing the teen to continue driving?

On a side note, my first and strongest recommendation was to have the teen driver turn in his drivers license to the state and sell his car. However, he attends a private school with no public transportation, so someone would have to transport him everyday. Supposedly, he is only allowed to drive the car to and from school, but what 17 year old listens to such rules? Now, I can only advise how my client can cover his own liability, if it’s possible.
jimmy

Personal Auto insurance

Response : Jimmy, you are absolutely right – let me clarify your own doubts :
1) Rule number one in personal insurance is that the insurance- coverage follows the vehicle.
2) The teenager is still not an adult and so legally the parents are responsible for him and just by shifting the title of the car in his name will not relieve the responsiblity of the parents.
3) By just putting an exclusion on the policy would not relieve the insurer also since the exclusions are always narrowly taken- while the coverages are broadly reviewed in the court of law.

The parents of the teen would face problems if the teenager would get into a serious accident. Here are my suggestions:
1) Get a personal umberella coverage for the teenager also.
2) Enroll the teenager in a driving school. It would be best to talk to him, he may be nervous or strained whilst driving and so the accidents occurr. If he is nervous it would be best for him not to drive.
3) For getting cheap auto insurance quotes you can shop online. However, if the driving record is bad it would be difficult.
Thanks.
Kamlesh.


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Personal Injury verdict of 49 millon.

Sunday, October 4th, 2009 at  
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Teen auto insurance


Bill : How much can an auto insurance claim amount to? What are the best limits?

Auto Insurance coverage limits are dependent on claims

Response: Auto insurance claims can be very high. A recent Northern California jury has ruled that the state and two truckers are liable for $49 million in personal injury damages after an accident that left a college student with brain damage.
The award is one of the largest personal injury verdicts delivered in Santa Clara County, which is just south of San Francisco, in recent years, according to the Reeves Law Group, the firm representing the student.
According to a press release from the firm, the student, Drew Bianchi, was riding in the back seat of a Toyota Avalon, going on a camping trip with three friends.The car was traveling down highway 152 through the Pacheco Pass. Two trucks collided near the center line, and one of those trucks rammed into the rear of the Avalon that Bianchi was riding in.
Bianchi was then a student at a community college in Bakersfield, with plans to go on to the University of California, Davis. He now lives full time in a treatment facility in Bakersfield, near his family.
Lawyers for a co-plaintiff argued that reckless driving by the two truckers involved was the main factor in the accident. One of the truckers drifted across the center line. The other was texting at the time.
The state of California came to a $10 million settlement before the case went to trial. The claim against the state contended that Caltrans had failed to take several steps to remedy known safety issues on the road.
With all the settlements and the jury award, Bianchi will receive a total of about $61 million. It is expected that he will require specialized care for the rest of his life.

Please take the higest limits as possible for auto insurance quote. With online quotes you will get cheap auto insurance quotes.

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Teenager in college in another state – solution to auto insurance.

Friday, October 2nd, 2009 at  
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Teen auto insurance


David Letterman : I have a child away at college (different state) with his car. For tuition purposes, the car was registered in the state where he’s going to school. We are currently with a large, well-known company (rhymes with farmer) and he’s on our PAP. My instinct and training tell me that we should put him on his own policy; however, you all know what that means in premium dollars for a youthful driver, clean record or not. There’s one additional important note, we are still on title for the vehicle, along with the bank. Insurable interest, yes? Anyway, I’m looking for opinion here from an underwriting and claims standpoint. Your feedback is appreciated!

Response : You should be able to keep the car on your policy. You have an insurable interest and if your kid is at fault in an accident they will go after the registered owner – you.

When I did personal lines this came up often. Garaging can & will make a difference in premium. I was in Iowa at the time, had a family send their kids to college in DC. Kept him on the policy, the premiums increased dramatically just due to the new location.

An issue could come up if your company does not write where he is going to school but (rhymes with farmer) is in most states for auto.

FYI if you take the kid off your policy they can keep good student with most companies but would lose multi car and auto/home discounts.
You can try online for a free auto insurance quote and find out the comparitive quotes.

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Driver Distraction Costs 6,000 Lives a Year; Many Teens

Thursday, October 1st, 2009 at  
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Teen auto insurance


Harnessing Distractions which lead to accidents and higher auto insurance rates

The Transportation Department was bringing together experts over two days for what it’s calling a “distracted driving summit” to take a hard look at the highway hazards caused by drivers talking on cell phones or texting from behind the wheel.
Secretary Ray LaHood was expected to offer recommendations today that could lead to new restrictions on using the devices while driving.

LaHood said the administration would “work with Congress” to develop ways of curbing distracted driving. The meeting would solicit ideas to address the problem “similar to what went on with seat belts and (blood-alcohol limits of) 0.08 where you really educate the public, where you tell people that they have to take personal responsibility for these things.
Hours before the start of the meeting, Transportation officials said in a research report that 5,870 people were killed and 515,000 were injured last year in crashes where at least one form of driver distraction was reported. Driver distraction was involved in 16 percent of all fatal crashes in 2008.
The panel of government officials, safety advocates, researchers and lawmakers hoped to develop a consensus on the roadway hazards and hear warnings from young adults who caused car accidents because they were texting while driving.
The new data underscored the major problem of distractions involving young drivers. The greatest proportion of distracted drivers were those age 20 and under. Sixteen percent of all under-20 drivers involved in fatal crashes were reported to have been distracted while driving, the government said.
CTIA also supports a ban on texting while driving but has argued that education and enforcement are critical to changing driver behavior. CTIA and the National Safety Council announced plans for public service announcements warning teen drivers of the dangers of distracted driving.
Please be informed, aware and undistracted whilst driving. You and your life is precious. Save your life and aim for cheap auto insurance.

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