Sunday, November 1st, 2009 at
9:16 pm
Christen Steward: Why is so much importance being given to text-messaging whilst driving? How would this affect the auto insurance rates and getting cheap teen auto insurance?
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.
Texting while driving increases the risk of accident 23.2 times over unimpaired driving.
Texting while driving results in longer response times than even drunken driving. While an unimpaired driver can respond quickly to changes in traffic and begin braking within half a second, a legally drunk driver needs four additional feet to begin braking—and a driver who’s texting needs 70.
In the moments before a crash or near crash, drivers typically spend nearly five seconds looking at their mobile devices—enough time at typical highway speeds to cover more area than the length of a football field.
Though 95 percent of drivers surveyed said texting behind the wheel was unacceptable and unsafe, at least 21 percent admit to doing it anyway.
Especially amongst teens, texting results in erratic driving behavior, like lane weaving and speeding up and down, increasing the likelihood of hurting pedestrians and running into other vehicles.
Texting behind the wheel is generational: 37 percent of drivers 18 to 27 admit to texting while driving, compared to 14 percent of 28 to 44 year olds, and 2 percent of 45 to 60 year olds.
An accident can happen in two to three seconds while texting.
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.
Tuesday, June 30th, 2009 at
5:23 pm
Rick : I am 17 years old what is the best type of car insurance to be got in Florida?
Florida’s minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida tag.
The Bodily Injury Liability is a coverage that would pay for serious and permanent injury or death to others caused by an accident of your auto. Your insurer will pay for the injuries caused in case you are sued up to the limits of your policy. Your insurance company will also pay incase you or any member of your family or any person was driving the car, provided the person had the permission to drive the car and the person is holding a valid license. This coverage also provides you with legal defense in the event you are sued by the injured party.
I would recommend that you should go for limits higher than this, since you are a teenager and if you can afford this, since the accident rate for teenagers is highest for this group. Not having sufficient liability limits can lead to grave financial consequences.
Kamlesh
