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.

car insurance and black box.

Teens, do you know that there is a spy living in your car?  Car insurance ….hm!. !

Your car’s “black box” knows how fast you’re going, whether you’re buckled up and if you’re on the gas or the brakes.

It remembers these things for only a few seconds at a time–until you hit something. Then, like the airplane black boxes we’ve read about for years, it stores the data and can spill some eye-opening secrets to safety investigators, attorneys and you car insurance company.

Called event data recorders (EDRs for short), these devices are already in many autos–the National Highway Traffic Safety Administration said in 2008 that 65 percent to 90 percent of all vehicles had them. Virtually all new cars, the agency adds, are equipped with EDRs.

They’re designed to gather information during an accident, much the same way a transponder helps aviation officials piece together why a jet goes down. The EDR is usually placed under the driver’s seat and is wired to other car components, like the air bag.

Starting with 2011 models, automakers are required to tell buyers that a recorder is installed on their cars. (The information usually is in the owner’s manual.) And while each automaker currently builds a box that fits its own needs and standards, NHTSA has recently decided that all vehicles built after 2013 must have standardized EDRs that record a trove of relevant, very specific details, such as:

Change in forward crash speedMaximum change in forward crash speedSpeed the vehicle was travelingHow far the accelerator pedal was pressed)Whether or not the brake was appliedIgnition cycle (number of power cycles applied to the EDR) at the time of the crashIgnition cycle (number of power cycles applied to the EDR) when the EDR data was downloadedWhether or not the driver was using a safety beltWhether or not the frontal air bag warning lamp was onNumber of crash eventsTime between the first two crash events, if applicableWhether or not the EDR completed recording

Officials stress that the information is valuable when compiling federal or state accident statistics and creating safer cars and roads.

“EDRs can provide information about a crash that can’t be obtained through more traditional investigation techniques,” says a statement on the Insurance Institute for Highway Safety (IIHS) website. “Police, crash investigators, automakers, insurance adjusters, and highway safety researchers can use this information to analyze what occurred during a crash. The data may help automakers improve occupant restraint systems and vehicle structures.”

But an EDR is also an unblinking eyewitness to any incident that is recorded in its memory.

NHTSA has strict guidelines for EDR use, saying the gathered information belongs to the vehicle’s owner and can be used only with consent in most cases. However, it does note that data could be obtained in a criminal investigation through a court order. (EDRs have provided key evidence in an increasing number of manslaughter and reckless driving cases).

Your insurer needs your consent to access the EDR in your car. However, you may have given the insurer that permission when you accepted your policy and agreed to provide full cooperation in auto insurance claims investigations. Seven states prohibit insurance contracts from requiring policyholders to consent to access. They are:

ConnecticutNew HampshireNew YorkOregonVirginiaWashington

What could an auto insurance company with access to your EDR learn from it? A lot–like whether you really did swerve to miss a deer, or whether the accident was severe enough to cause the whiplash you’re claiming.

R. Brent Cooper, a Dallas attorney who has followed the use of “black boxes” for several years, says insurers often plumb EDR data in their accident investigations.

“They use them primarily to see if what the driver says happened during the accident actually happened,” he explains. “I wouldn’t say they do it across-the-board. It’s not worth it with a fender-bender, but it would probably be done with a major crash.”

Major national insurers have rolled out voluntary programs such as Progressive Snap shot  and  State Farms In- Drive to offer drivers a big discount–as much as 50 percent–for careful behavior that’s verified by data captured by devices installed in their customers’ cars.

But those devices aren’t linked to EDRs in any way.

“Our position on EDRs is that we would only use that data in a claims investigation with customer consent or if we’re required to do so by law,” says Progressive spokesperson Brittany Senary.

Attorney Cooper agrees. “Accident re-creation appears to be the main thrust,” he says.

But others worry that data, once gathered, can serve many ends besides safety research.

Marc Rotenberg, executive director of the Electronic Privacy Information Center in Washington, D.C., wonders if insurers could try to use the information against policyholders, even drop them after analyzing data.

“Most critically, these data could be used in claims disputes by the insurer and others against you,” he warns. “Police could get access to your driving habits, as could state agencies.”

A forum at Wired.com’s Autopia site shows that some posters are suspicious of what the government and insurers can do with EDR records, while others point to improved safety and legal benefits.

“The problem here is not that the data is being recorded, but that the NHTSA–a governmental body–wants to make it both mandatory and force you to let them and whoever they deem fit get a look at it if they so desire,” writes “Vic83.” The poster adds: “It’s a governmental camel’s nose under the tent, and it’s not to be trusted.”

But “Just Sayin” had this to say: “Let the facts speak for themselves. You driving within the law, we don’t have a problem. You driving like a nut, I can submit the facts to a jury.”

Be careful drive safe for your own safety and to get cheap teen auto insurance. Yes, you are only a click away from Cheap car insurance get your teen auto insurance quote now.

Safe and happy driving during the holidays.

Kamlesh

What makes a car accident fatal?

Although there were great advances in the car and road safety. more cars and trucks of the road today than ever before Exchange and new challenges can, contribute to the fatal accidents.

Modern vehicles to reach higher speeds, people live more hectic lifestyle and show more aggressive driving, they are distracted by new technologies such as mobile phones with SMS features, and it has an increase in the use of drugs, alcohol and other drugs during the operation of the vehicles, especially at peak times such as late nights and weekends, which negatively affect performance and judgment may change.

In addition may weather an ageing population is growing less predictable, what more older drivers with poor vision and slows down the response time on the road, and a weak economy has led many funds drivers of major repairs and maintenance neglect such as replacing the brake pads and worn tyres that can represent major driving risks.

Although there are numerous potentially dangerous situations must a driver attention to and able to respond in order to prevent damage, there are several proactive, preventive measures can be taken to that involved way, in a fatal crash.

Fatal accidents occur results on effects of massive force frequently at high rates of speed. Therefore, is that go with safe speeds and distances one of the best ways to avoid a deadly accident. In addition passengers wore the often fatal collisions not seat belts, been involved in. After the National Highway Traffic Safety Association (NHTSA), in more than half of all deaths in 2008, the passenger was no seat belt.

Many people mistakenly believe that airbags will deploy, a serious accident occurs also if they not their seat belt on, but the technology was developed to work conditions by you see and the seat belt, so if a seat belt is not worn, the airbags can not parse should be enlarged. Is the probability of an accident, the death toll reduced significantly – 61% – if seat belts in tandem with airbags are employed.

In addition to the defensive after safe driving practices and the automotive-integrated security features, uses, is the best way, a driver can avoid a potentially fatal crash, make sure that your vehicle in good working condition and able to respond rapidly to dangerous conditions.

Because on the one hand, the tyres of the vehicle in direct contact with the road are, it is important that preserve the correct tire pressure and tread. For example, if tires are underinflated, they can blow-out and cause that a rollover or make difficult maneuvers and stop if something unexpected happens. If they are over overinflated, they can hydroplane on the water and to lead, that the car to lose contact with the road and go out of control.

Keep your young driver informed so that safety is first. Ofcourse geting teen car insurance, cheap teen car insurance is avaliable here. Just click and enter your zip-code.

What makes car accident fatal?

What makes car accident fatal?

Although there were great advances in the car and road safety to improve, more cars and trucks of the road today than ever before Exchange and new challenges can, contribute to the fatal accidents.

Modern vehicles to reach higher speeds, people live more hectic lifestyle and show more aggressive driving, they are distracted by new technologies such as mobile phones with SMS features, and it has an increase in the use of drugs, alcohol and other drugs during the operation of the vehicles, especially at peak times such as late nights and weekends, which negatively affect performance and judgment may change.

In addition may weather an ageing population is growing less predictable, what more older drivers with poor vision and slows down the response time on the road, and a weak economy has led many funds drivers of major repairs and maintenance neglect such as replacing the brake pads and worn tyres that can represent major driving risks.

Although there are numerous potentially dangerous situations must a driver attention to and able to respond in order to prevent damage, there are several proactive, preventive measures can be taken to that involved way, in a fatal crash.

Fatal accidents occur results on effects of massive force frequently at high rates of speed. Therefore, is that go with safe speeds and distances one of the best ways to avoid a deadly accident. In addition passengers wore the often fatal collisions not seat belts, been involved in. After the National Highway Traffic Safety Association (NHTSA), in more than half of all deaths in 2008, the passenger was no seat belt.

Many people mistakenly believe that airbags will deploy, a serious accident occurs also if they not their seat belt on, but the technology was developed to work conditions by you see and the seat belt, so if a seat belt is not worn, the airbags can not parse should be enlarged. Is the probability of an accident, the death toll reduced significantly – 61% – if seat belts in tandem with airbags are employed.

In addition to the defensive after safe driving practices and the automotive-integrated security features, uses, is the best way, a driver can avoid a potentially fatal crash, make sure that your vehicle in good working condition and able to respond rapidly to dangerous conditions.

Because on the one hand, the tyres of the vehicle in direct contact with the road are, it is important that preserve the correct tire pressure and tread. For example, if tires are underinflated, they can blow-out and cause that a rollover or make difficult maneuvers and stop if something unexpected happens. If they are over overinflated, they can hydroplane on the water and to lead, that the car to lose contact with the road and go out of control.

Teens need to know this for their teen saftey and getting cheap teen auto insurance. Just knowing what to do and doing it, would be a life saver for yourself and somebody else.

How much teen auto insurance for camping?

How much teen auto insurance when teens are camping ?

Camping and teen auto insurance - what is the relevance. Camping is a time when the vehicle is used and besides at most times you would also be using a trailer with the vehicle, especially when teens are travelling. Hence teen auto insurance or car insurance becomes important.

Camping is an important activity during the summer season. For most people, travel mean freedom and fun summer. In fact, more people you plan to drive this year than last, according to AAA. We are all ready to escape from everyday life and worry about the economy behind can be how we enjoy lower gas prices and warmer weather.

Teen auto insurance does not increase if you are using the car for camping in your own country. If you are going to another country other than Mexico or Canada than car insurance policy would be valid. Yes, there are other tips that are very important. There would be not be much teen auto insurance rate increase for the camping trip unless your teen is not a named drvier on your car. If he is not you will need to buy a short period car insurance for them.
Check out for a quote for teen auto insurance if you need one here.

According to a report of the National Highway Traffic Safety Administration (NHTSA) is summer time especially the Memorial Day weekend deadliest three days holiday a year. In addition, the number of uninsured motorists continues to rise, and people decide to keep new for older cars instead of buying. You are more likely to drive an old car by someone, which has taken no insurance will be.

Supports all the means you should your travel plans of scrap and stay at home? No! It only means that you need a little more than usual be prepared. Which helps you to problems on your journey to and camping trip?

Exciting tips to get you cheap teen atuo insurance!

1. Do not indulge in distracted driving : Distracted driving or drunk driving should be avoided. You need to also consider that if you are not doing distracted driving or durnk driving otheres are doing. This is part of the reason police kick-off the click it or ticket safety belt campaign around this time. As responsible party and wear your seat belt. And the car will not start if the children in a car seat or booster – even for short trips are bent.

2. Check your auto insurance.
This is Security Tip even more than the boring, but we are an insurance website! With so many uninsured driver now is a good time, to ensure that you UM / UIM coverage have on your policy. Also, even though your insurance in General expanded coverage to Canada, the same does not apply Mexico, so you need to purchase Mexican insurance from a reputable company close to the border.

3. Are rental car insurance necessary?
If you rent a car are, you will be asked whether you want to be wasting money their “insurance”, and you could if you say Yes. First of all, you ausfinden her if you are already covered. Many companies extend your policy coverage include rental cars, and your credit card company can cover damage to the car itself. Learn more in our article, “should you buy rental car insurance.”

Get your auto insurance quote now, if you have not got it.

Be prepared, so that accidents can be avoided and you save much teen car insurance

4. Get your trailer or boat insured
When you are camping it is best to get your tailer and boat or scoter insured if you are taking one. Also do not forget to take travel insurance if you are moving to another country since your health insurance might not be valid.

(5) Have your roadside assistance and claims reporting numbers virtually.
Do you know if your car insurance policy always includes rental reimbursement and roadside assistance coverage. If your car together breaks and you need to have it towed or hire someone else who will pay for it? Roadside assistance coverage are required not to your insurance policy, if you already are a car club. But you should add it, if you drag only have and Labor coverage – the mechanical breakdown, which do not cover not relating to an accident.

Looking for various information? Do you have any questions or feedback? Please let us know. Enjoy your camping trip.