Posts Tagged ' auto insurance'

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#ArriveAlive: The Dangers of Drowsy Driving

We’ve all done it. Staying out late for work, or a ballgame or maybe dinner with friends and now it is time to head home. You pull out of the parking lot, head out on the road and suddenly a wave of exhausting and drowsiness envelops you and you have miles to go. You think to yourself, open a window? Maybe if you blast the radio? Maybe if you close one eye for a while and rest it, and then close the other eye for just a moment. In a split-second you are heading across the yellow line or on a direct trajectory with a telephone pole. First a few statistics about drowsy driving: According to the National Sleep Foundation, nearly ¼ of all adults in the U.S. claim to know someone personally who has fallen asleep at the wheel. 70 Million adults are sleep deprived or suffer from sleep disorders. It is a major contributor to car crashes. (Source: American Automobile Association) One out of six deadly traffic accidents are a direct result of drowsy driving. And each year, the ...

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Your Toothbrush Is Watching You….

It resembles a scene that you would watch as a kid on “Leave it to Beaver”. Young boy enters bathroom and picks up his toothbrush to clean his teeth. Suddenly his mother emerges from the kitchen and chastises him, “I know that you only brushed for 1 minute. You need to brush for 2 minutes every time.” He wonders if his mother has eyes in the back of her head, but what he doesn’t realize is that his toothbrush is equipped with Telematics. It is not just his mother that is watching him. The Telematics that is used in the toothbrush is the technology of “sending, receiving and storing information via telecommunication devices in conjunction with effecting control on remote objects.”  It is sort of a modern day, “Big Brother is Watching You” from the novel “1984.”  Installing small computer chips in objects to send information back to a company to gauge usage.   Cars have been equipped with this technology for years (conside ...

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Crash for Cash – Staged Auto Accidents

Wait? What just happened? You were cruising down the road, beautiful day, no traffic on the highway. Suddenly a car appeared out of nowhere, swerved in front of you and jammed on his brakes for no apparent reason.  You attempted to swerve into the left lane, but a van suddenly appeared to your left and you had no choice but to hit the bumper of the car in front of you. Suddenly chaos, the car you bumped is filled with passengers who are screaming of neck and back injuries. A few other autos stop and witnesses claim that you were driving erratically and had no control of your vehicle. When you point out the van that boxed you in, you realize that it is long gone. You’ve been scammed. That particular Insurance Fraud Scenario is called: Swoop and Squat and it is designed to bilk your insurance agency of thousands of dollars. Many dishonest drivers will maneuver innocent motorists into auto crashes. The cars may only suffer a small dent, but the crooks still make large and illegal claims for fake ...

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That red sports car may not lead to you being pulled over, but these cars will.

  I remember my Uncle giving me advice around the Thanksgiving table when I was on the brink of my 17th Birthday.  “Red is bad”, He stated. “Never, every buy a red sports car. You will be swimming in tickets.” That was always the rumor back in the day. Police officers looked to ticket cars that were painted red. They assumed that “red” meant “hot rod, speed demon, and lead foot." That assumption has been dis-proven over the years. But, according to a recent study published at, yourmechanic.com,  there does seem to be a correlation between automobile make and model and odds of receiving a ticket for a moving violation. According to a recent survey of 323,000 drivers ticketed for moving violations: running a red light, driving at night without headlights, illegal turns, illegal parking, running a stop sign or speeding, the two makes and models that received the most tickets were the Lexus ES 300 and the Nissan 350Z, with almost  ⅓ of drivers (or 1 ...

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Deer in the Headlights: It's Mating Season for Bucks, Does, Bears and Cows

Romance is in their air during the months of October through December in the animal kingdom. You are driving down the highway during dawn to work, or home at dusk. Suddenly out of nowhere, a 5-point 400-pound Buck leaps smack into the middle of the road. Sounds ridiculous, but it happens, often this time of the year and on a daily basis. Just ask any auto shop or insurance carrier, who claim to have an uptick of animal-to-vehicle collisions of over 25% during fall. According to Insurancenews.net the odds of a deer collision are increasing. The population of white-tail deer has escalated to 30 million. That is over 100 times more than a century ago. The odds of hitting a dear are 1 in 169 during the year, but that figure doubles from autumn through early winter as mating and migration season for many large animals commences and the freeways are filled with them. Loss of their natural habitats due to population growth and sprawl, plus decreasing deer hunts have added to an increase in the deer population in su ...

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Save Yourself From Grief. This is the Perfect Time To Review Your Insurance Policies

It may seem strange, while cleaning out your gutters from winter debris and seeding your lawn for spring, to think about the possible damage you may have from storms and floods in the coming months. But now is the idyllic time to check your homeowners, flood and umbrella policies to make sure that your coverage is complete. The biggest (and most frequent) mistake most policyholders make, is to check their insurance policies AFTER a disaster occurs, which is a time filled with stress and confusion. Below are some tips that may help you to manage the process of filing an insurance claim, BEFORE you need do so, and WHEN you need to do so….  Leave the Damage For the Claims Adjuster to Witness - It is vitally important that the accident area not be cleaned up and fixed. You should secure the area from any further damage and further deterioration, but only make necessary fixes.  A claims adjuster needs to witness the damage in order to correctly and accurately list all the destruction ...

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Going for a Bumpy Ride? Three things to consider before you slip into the Uber or Lyft Passenger Seat.

Seems like the ideal situation. You need a ride. Maybe you are in Manhattan but it is a Saturday Night and hailing a cab is impossible. Or you are in your small town but the local bus line does not travel to where you need to go. So you download the Uber Application to your smart phone, request a ride and await your driver. An amazingly convenient way to get from Point A to Point B. But before you hop in and take off with your Uber driver, we would like to make you aware of some of the fine print that is contained in the Service Agreement. Important information that is essential to your well-being: 1.     UBER AND LYFTS TERMS OF SERVICE: The agreement states that customers "may be exposed to situations involving third party providers that are potentially unsafe, offensive, harmful to minors, or otherwise objectionable." 2.     ALSO CONTAINED IN THE AGREEMENT:  "Uber does not guarantee the suitability, safety or ability of third-party providers," (The Drivers) ...

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