auto insurance claims, geico claims

Stay safe, get cheap car insurance and avoid paying the $750 crash tax.

Jorge Posada : My teen friend got involved in a highway accident and had to pay $750/ ? Why?

Response : Yes, Jorge, as per the report given below the regulations are changing. Everyone wnats you to pay, if you are not a safe driver. Get your cheap car insurance quote here or compare teen auto insurance quotes if you have not. You need to save money and that is the key in this economy- to save money, make money and let your money earn for itself. 

Report on why you need to pay $750 crash tax. 

Far too many states are not doing enough to protect motorists, says a prominent group that focuses on driving dangers and pushes for laws to curb them.

Too many states fail to restrict texting on cellphones, or do not require the use of seat belts and motorcycle helmets, according to the Advocates for Highway and Auto Safety “2012 Roadmap to State Highway Safety Laws.”

The report draws on statistics and information from the National Highway Traffic Safety Administration (NHTSA) and the Centers for Disease Control and Prevention (CDC), among other government agencies.

“Motor vehicle crashes are the leading cause of death for all Americans between the ages of 5 and 34 — every day, 90 people in this country don’t make it home and needlessly die on our roads and highways,” said Jacqueline Gillan, the Advocates for Highway and Auto Safety’s president, at a recent press conference. “We have the solutions (to reduce) highway deaths and injuries and costs. Unfortunately, many of these safety laws are simply not considered an urgent priority by our elected leaders and end up in the legislative graveyard.”

‘Crash tax’ of $750 per person for insurance and medical services

Mark Rosekind, a member of the National Transportation Safety Board (NTSB), said at the press conference that there were 5.4 million crashes in 2010, with 32,885 deaths and more than 2.2 million injuries. The accidents, he added, cost the nation about $230 billion in medical services,  auto insurance , health insurance, emergency services and other associated expenses.

This is equivalent to a “crash tax” of more than $750 for every person, according to the Advocates for Highway and Auto Safety.

“The numbers are staggering,” Rosekind said.

In pushing for lawmaker action, the “2012 Roadmap” report makes several key points, including:

Texting – The NHTSA says there were 3,092 deaths in 2010 related to distracted driving, including text messaging. “Crash risk is dramatic — as much as four times higher — when a driver is using a mobile phone, with no significant safety difference between hand-held and hands-free phones observed in many studies,” according to the report, which points out that 18 states do not restrict texting. Those states are Alabama, Arizona, Florida, Hawaii, Idaho, Iowa, Missouri, Mississippi, Montana, Nebraska, New Mexico, Ohio, Oklahoma, South Carolina, South Dakota, Texas, Virginia and West Virginia. Though it’s not just teens texting, crashes involving teen drivers cost $42 billion annually.

Seat belts – There were 22,187 passenger deaths in accidents in 2010; 51 percent of the victims did not wear seat belts, according to the NHTSA. Further, the safety advocacy group notes that “deaths and injuries that result from non-use of seat belts cost society an estimated $60 billion annually in medical care, lost productivity and other injury-related costs … society bears 74 percent of the cost through increased insurance premiums, taxes and health care costs.” Eighteen states do not make seat belts mandatory: Arizona, Colorado, Idaho, Massachusetts, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Dakota, Ohio, Pennsylvania, South Dakota, Utah, Vermont, Virginia, West Virginia and Wyoming.

Motorcycle helmets – In 2010, 4,502 motorcyclists were killed and 82,000 injured. Head injuries cause most deaths in motorcycle crashes, according to the Brain Injury Association of America, which adds that helmets can cut fatalities by as much as 37 percent. Helmets are believed to have saved more than 1,480 lives in 2009, according to federal figures. The CDC says motorcycle deaths and injuries cost $12 billion annually in hospital and other expenses. Eleven states do not require helmets: Arizona, Colorado, Idaho, Montana, New Hampshire, North Dakota, Ohio, Pennsylvania, South Dakota, Utah and Wyoming.

How they rate: States graded for safety law adoption

Among the 15 model laws Advocates for Highway and Auto Safety evaluated in its 2012 report (available at www.saferoads.org) are seat belt, booster seat and motorcycle helmet measures, in addition to restrictions and requirements for teen drivers, texting bans and tougher impaired driving laws.

In this year’s report, states were given one of three ratings based on how many of the 15 optimal laws they have: green (good); yellow (caution – state needs improvement); and red (danger – state falls dangerously behind). Placement in one of the three ratings was based solely on whether or not a state had adopted a law as defined in the report, and not on any evaluation of a state’s highway safety education or enforcement programs.

In 2011, two states – Maine and Rhode Island – improved their rating from yellow to green. North Dakota and Pennsylvania upgraded from red to yellow. In all, the District of Columbia and 17 states were rated in the highest rated category of green. States in the green category were California, Delaware, Georgia, Illinois, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, New Jersey, New York, North Carolina, Oregon, Rhode Island, Tennessee and Washington.

The states with the worst rating of red are Arizona, Mississippi, Montana, Nebraska, Ohio, South Dakota, Virginia and Wyoming. All other states received a yellow rating indicating caution because there was a need for improvement due to gaps in traffic safety laws.

Car insurance takes a hit with high accident rates

Beyond the human toll and predicted rises in medical expenses and health insurance, there are car insurance repercussions when roads are not safe. Fewer safe highways lead to more accidents, which in turn lead to higher premiums for many drivers.

Depending on the collision, a driver’s overall record and other factors associated with an accident, your coverage could rise by 40 percent or more, according to Consumer Reports in its 2010 “Money Adviser” issue. A 2008 study by Insurance.com showed that the average annual policy could increase from $157 to $458, depending on the accident.

auto insurance tips secrets revealed

Cheapest car insruance with auto insurace tips

Response : I really got a good response from you all on the article on auto insurance tips which will help you get the cheapest car insurance quotes. Let’s get together and review a few more auto insurance tips. The auto insurance tips that are being shared would not only help you get the cheapest car insurance quotes but would also help you understand some things about auto insurance claims.

Auto insurance tips that will get you cheapest car insurance quotes

… that special rates can be earned when all drivers of the car have been licensed and accident free for the past six (6) years and no driver had more than two minor traffic violations (other than parking) in the past six years? In most cases, once you have this special rating, one accident will not cause you to lose all of your safe driving discount.

… that your insurance policy will be called upon to pay the majority of damages and injury resulting from an accident in which you are involved? These claims will only affect your rating when you are “at fault”. It also means that prices should not be the sole criteria when buying coverage; service, convenience, support and claims expertise are also prime considerations.

… that young drivers who take “approved” driver training courses can qualify for a premium discount? This can amount to a substantial amount, particularly for single males under twenty-five. More important is that new drivers who graduate from these courses have substantially lower fatality rates than those who don’t take part in such courses.

Your driving record is the key to getting the cheapest car insurance quotes

Your driving record and driving skills would be the most important aspect for you to get the cheapest car insurance quotes. It would be utmost important for you to finish the graduated driving course.

Normally insurance companies also understand the fact that there are going to be some unforeseen circumstances, which might lead to an accident. Hence only one accident after an excellent driving record is not going to increase your auto insurance rating. However, it would again depend upon the insurance company. It would certainly be a good idea to obtain multiple auto insurance quotes, if your present insurer is going to load your rating or is not providing you the cheapest car insurance quotes.

In case where an accident occurs where you are not at fault- once again you would still be entitled to the cheapest car insurance quote or no change in the present car insurance rating. This should be true even if the insurance company has paid you for a claim. You need to speak to your insurer or agent to clarify this.

Cheapest car insurance with auto insurance tips.. secrets revealed . More secrets revealed and explained for guarnteed cheap car insurance, Win them, or loss
Thanks.
Kamlesh
tags :cheapest car insurance, cheapest car insruance quotes

Teen auto insurance accident

Teen insurance news: Ohio teen auto crashes have dropped.

Teen safety has been achieved and with this cheap teen auto insurance rates can be obtained in Ohio since they have seen a decline in the teen auto insurance rates.
As per the Insurance news , nearly four-year-old restrictions on Ohio teen drivers get some of the credit for a drop in accidents on Ohio roads.
The state Department of Transportation says Ohio saw a 16.7 decline in overall vehicle crashes between 2005 and 2009. Fatal accidents fell 23 percent.
The positive change in the trend of teen auto accidents and fall in auto insurance claims for the insurance companies is attributed to the graduated license law and increased seat belt use along with the better education programs which are running in the state.

< h2> What is the law that has helped with teen safety and cheap teen auto insurance rates
In Ohio in December 2006 the law was passed which :
Drivers under 17 can have just one passenger who is not a relative.
Teen drivers under the age of 16 that hold a Temporary Permit may only drive with a licensed parent, legal guardian or certified driving instructor.
The Temporary Permit holder must carry a photo identification card with their application with front and back data at all times while driving.
All Temporary Permit holders must finish 24 hours of class instruction and 8 hours of driving instruction with a certified driving instructor. In addition to this training, the teen driver must complete 50 hours of practice driving with 10 out of the 50 hours being nighttime driving.
A teen under 18 cannot drive during overnight hours without a parent of guardian except for work reasons.
This has helped reduced teen auto insuarnce rates, teen auto accidents and so this is naturally a very positive trend. This has helped to reduce teen auto insurance rates.

Can this be done in all states of USA and Canadian provinces for teen safety and reducing teen auto insurance rates

It is open for discussions here, that if Ohio could bring down the teen auto insurance accidents and bring in positive results with the cooperation of all especially the parents and teens, should we all also try for this.
How would you like to pay less teen auto insurance and save your money?
Your participation, opinions and comments do matter to us. Let’s have this debate and participation from all of you on teen safety and getting cheap teen auto insurance quotes.
Thanks.

Teen auto insurance quotes and staged accidents

Staged auto accidents are something which can shoot up your teen auto insurance rates.

Teens are mostly looking for the thrill to drive a car and getting to their destination that they would not be watchful of the things going on the road. However in USA and also in Canada especially where there is no fault liability staging of auto accidents to get auto insurance claims is a common practice adapted by some scheming people and the teenagers or other drivers fall prey of this. Your teen auto insurance rate will skyrocket by no fault of your own.

How are collisions staged? Do they impact teen auto insurance or car insurance?

In this economical recession, the auto insurance claims are much higher in United States and also in Canada. The present teen auto insurance rates are already hurting. The staged collisions are increasingly involving innocent drivers. There are several ways the staged collisions are poised as being made to appear authentic. The common tactics that have been identified for this are :
a) Target and Bullet : Here a person who is driving the car unsuspecting is hit intentionally and a collison is stage, wherein the innocent driver gets involved unnecessarily.
b) Swoop and squat: At times there will be two cars which are used to stage the accident. The front one all of a sudden slams on their brake and this gets an innocent driver to rear-end the vehicle. In some cases, two vehicles are involved in the fraud, causing an innocent third party to rear-end the second vehicle;
c) Drive down or wave-in staging method. Here a driver exiting a parking lot is ‘waved in’ by a driver on the roadway. The roadway driver accelerates into the merging car once they enter the roadway, intentionally hitting the innocent driver and causing a collision where the innocent driver appears to be at fault.
In all the above cases, the fault would be of the innocent driver who has failed to excercise caution. Imagine if you were involved as a teen driver what would be your plight and your teen auto insurance rates or teen auto insurance cost would certainly increase.

Compare your teen auto insurance quote here and get cheap teen auto insurance quotes.

Steps that you can take to get avoid stage collisons and get cheap teen auto insurance quotes.

The first thing as a teenager you should be doing is to concentrate on your driving so that you do not fall a prey of all these above gimicks. Secondly teen drivers should be most careful of avoiding any distractions.

If by chance you fall prey of a staged accident tha follow the advice given by the insures to protect yourself from the fraud and the steps are given below :
• Make a note of the number of paasengers along with their ages and genders alongwith their names and contact addresses. Count the number of people in the car since this is important and might change at a later date.
• It is best to call the police to the scene, file a police report and keep a copy. Do not take further direction from anyone other than a police officer;
• Do not fall for any information given by a tow trucker. They would pressurize you or guide you to a particular mechnaical shop or body shop or even provide information on paralegal or medical professional. It is best to call your insurer and get a list of preferred auto shops;
• If possible take photos of the scene, including damage to all vehicles involved; and
• Make sure all bills are detailed and accurate, medical treatments offered are necessary, and always read forms thoroughly before signing them.

Call your insurance company and talk to the claims people there to get their help and advice on the claim. It is possible that the insurance company will investigate the matter immediately and you would not end up with having full liability for the claim.

Yes, get your cheap teen auto insurance qoute here. It cost nothing to get a quote for free and the insurance rates do flucatue so you can still ge the best car insurance quote.

Megan Fox : My teen son is a reckless driver and is desperately looking forward for cheap teen auto insurance. What do I do?

Understand issues of teen auto insurance quote

Response : The issues for teenagers driving a car are quite different than the issues of other driversand your teen is not the only reckless driver. These are the issues which lead to higher teen auto accidents and claims and why the expense for teen auto insurance claims is high for the insurers. Naturally, the insurers being in the business of insurance pass on the expenses toward higher teen auto insurance rates. Understand the issues and this itself is more than 50% of the solution of resolving the issues.
1) Teens are learning to drive when they are coping with their studies work and rules. It is not that they do not want to concentrate but may not have enough time.
2) Teens or young drivers are constantly under peer pressure and this is huge when they are driving a car, which might be a prime cause for teens speeding.
3) Youngsters like to customize their cars and this might destroy the safety issues.
4) Teens love music and gadgets which is a huge problem of distractions whilst driving.
5) Young drivers drive in groups and this is a big distraction to the drivers and this becomes a huge risk since the young drivers or teens are not experienced and lack of experience leads to accidents.

Tips to resolve issues and get cheap teen auto insurance quotes

You guessed right. The tips are targeted to the issues.
The first big tip is that you should let your teen read this they and you will see the magic that they are smart people and they will understand the issues and watch themselves so that they would not fall prey of this. Teens are quick learners.

Secondly, give the teen some more time when they are learning the skill of driving. Help them sort out the right priorities so that they have enough time for learning. Sometimes it is not enough to give your young driver only money. They might need your support and confidence and not your instructions or demonization. You need to help them master the skill of driving and you are giving them cheap teen auto insurance quote.

It is best to buy them a safe vehicle for your teenager in the start. The lesser the hybrid vehicles are used by teenager the lower teen auto insurance rates or cheap teen auto insurance quotes.
Encourage them to abstain from distracted driving and music when they are driving. Help is already provided since cell phones and texting is banned.
It is best to encourage them to obey the rules for young drivers which does not allow them to have groups in the car when they are driving and abstain from night driving since most of the accidents are at night.

Cheap teen auto insurance quotes is easy next step

Cheap teen auto insurance quotes are the easy next step if you have a good driving record. You can easily get multiple quotes for free here and it is better to constantly keep track of what the best offers are.
Teenautoinsquote has affiliates who provide the best offers in teen auto insurance and this will help you get cheap teen auto insurance.
Lets trust and love our teens and they will safe guard themselves, teens are more valuable to us than cheap teen auto insurance quotes.

Teen auto insruance rates and girls speeding
Response : Angelina, you would be suprised to note that as per the latest suurvey conduted by leading insurance company Alstate has revealed astonishing facts that the girls are speeding more than boys.

Are teenage girls catching up on teen auto insurance rates with the boys? Girls express a new need for speed.
• Nearly half (48%) of girls admit they are likely to speed more than 10 m.p.h. over the limit, versus 36% of boys
• 16% of girls describe their driving as aggressive, up from 9% in 2005

Another interesting statastics is :
Overall, the U.S. Department of Transportation says 4,054 teenagers aged 13 to 19 died in auto accidents (as both passengers and drivers) in 2008, down 54% from 1975. Boys account for about two-thirds of teens killed in vehicle accidents, but the DOT says deaths among boys have declined 59% since 1975, faster than the 38% decline for girls.

This all leads to the fact that the insurance companies who continously analysising the auto accidents which lead to their auto insurance claims and adjusting the auto insurance premiums based on their findings and claims ratio. There are many other ascpects of the Allsate surrvey. Stay tunned here, and we will discuss together each of these findings.

Yes, the main purpose is to protect and safe-gauard our teenagers and help them get cheap car insurance, which is the gaol of all teens and their parents.

Understand how the teen auto insurance ratings work and you are a step closer to cheap car insurance.

Thanks.
Kamlesh

Teen auto insurance and car insurance claims
Response :Jennifer, thanks for sharing with me that you got cheap car insurance for young drivers from here. Your satisfaction is most rewarding for me. When you are involved in any auto insurance claims situation if you are aware of how to go about things, it saves a lot of time and grief on both sides – yours as well as the insurance company.

There will be two situtations where you are the passanger of a car involved in an auto accident. One is when you are riding in the car out of choice in your friends vehicle or family vehicle. As a passenger, you can collect for damages from one of two ways: 1) under your driver’s medical payments coverage or 2) filing a claim against the at-fault driver’s liability coverage. You must collect like the driver, all important information—names, addresses, license numbers, policy numbers, etc. How much you will be paid would depend upon the extent of your injury, how much coverage your fried or family has, how many people were involved in the accident, and on how well insured the other drivers are. This is because under liablity there is a per person and per accident limit.

Taking another example, if you are riding a cab as a paid passenger and are involved in an auto accident, than besides the above ways of claiming you have another option. You can file a legal suit against the cab driver or the cab driver’s company claiming for your injury and any other damages resulting from the injury.

Will I qualify for cheap car insurance if involved in an accident as a passenger?

This will not blemish your driving record since you were not driving and also not affect youa auto insurance rates since it was not involving your vehicle. You will still get the cheap car insurance rate on your auto insurance policy which you can continue to enjoy.

Thanks.
Happy Valentie Day.
Kamlesh

Response: Christen, ban on text messages would help in getting cheap teen auto insurances since prevention of accidents would lead to better driving history and thus cheap auto insurance quote.

I understand this concern and especially for teenagers who are used to the mordern gadets. Text messaging whilst driving has caused a lot of fatal accidents since text messaging is one of the second highest reason fro auto insurance claims and accidents other than speeding.

Auto insurance rates are affected and it is difficult to get cheap teen auto insurance if one is driving with distractions, text messaging being one is because you are more likely to get involved in an accident. Once you have an accident than you are going to have an auto insurance claim, which will push up your auto insurance rate and will prevent you from getting cheap teen auto insurance quote.

Here are some of the reaosns why the different states have brought in the law banning text messaging whilst driving.

Insurance is based on data and auto insurance is based not only on the data but also on the fact that this would affect human life’s and hence risk prevention and control is more important for this than other areas of insurance. Save your life and others.

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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