Monday, January 28, 2008

Avoiding Auto Insurance Problems

1. Avoiding Auto Insurance Problems

If you have auto insurance you need to know how to avoid problems. Read about them in the article.

Avoiding Auto Insurance Problems
1) It is better to have all drivers listed
Examine your policy thoroughly on each renewal to be sure that all licensed drivers of your vehicle are listed and shown on the policy.
For instance - The auto and insurance is shown in the husbands name yet no where on the policy is the wife's name even mentioned though she has driven for 20 years crash free. What if she receives another auto and has no previous insurance experience to present? There is another area of concern with drivers 25 yrs old. People might believe they are saving money by not presenting them as drivers. But what happens when they do receive their own vehicle and can't demonstrate accident free insurance experience. It's just a matter of time and they will receive their own car.

2) Payment Cancellations.
It is good to pay on time for your auto insurance. Cancellations for non payment, non adequate fund cancellations are undesirable and can cost much to you. Be responsible and if you have a cancellation problem act instantly with your broker to decide it. Don't set aside it!

2 Car Accidents & Auto Insurance

Clear up some important facts about car accidents. Explore what can influence car crashes. Find out how you can save yourself. 

On average, a motor vehicle crash happens every 5 seconds, a person is injured in a crash every 11 seconds, and a fatal injury happens every 12 minutes. These are frightful thoughts as you head out the door to school, work or to the shop and convincing evidence of why auto insurance coverage is so necessary.
Nevertheless, you can feel a little easier knowing that the accident fatality rate per 100 million vehicle miles traveled is the lowest it has been since record keeping began 30 years ago, registering at 1.46, and remained below 1.50 for the second consecutive year in a row. It is known, that the quantity of police-reported motor vehicle accidents happening on the roads dropped to under 6.2 million from more than 6.3 million in 2003, and people injured in these accidents continues to steadily decrease as well.

This reduction happened as a result of the countrywide campaigns, the purpose of which was to increase safety belt use and reduce handicapped driving. Currently the seat belt law is mandated in all 50 states, which greatly helped decrease the number of persons killed in auto accidents in 2004. The national campaign for drinking under the influence has also greatly helped decrease alcohol-related fatalities for the second consecutive year in a row.

Time is important.
Crashes are still happening even with all these new preventive measures. This is why the attention was paid to on which days and at what time crashes are happening. According to the NHTSA, Saturday and Sundays nights between Midnight and 3 a.m. are the deadliest 3-hours on the road, with a total of 2,451 fatal crashes in 2004, seventy-six percent of these accidents involved alcohol.
Not only time of a day is important but also month. The Early Edition Report shows that August is full of fatal crashes in one month and December had the most overall automobile crashes, totaling 601,000 - you need to remember these facts during your vacation and holiday travels!

Your Car
The vehicle you operate can also play a great role in your car crash. Passenger cars and light trucks accounted for nearly 95 percent of the 11 million vehicles involved in motor vehicle accidents in 2004. Large trucks are involved only in 15 percent of the vehicle crashes. Moreover, we saw an increase in vehicles rolling over during a crash. Of the vehicles that rolled over, utility vehicles presented the highest rate at 36.2 percent in fatal crashes, 9.6 percent in injury crashes and 2.4 in property-damage-only-crashes. Regardless of the crash severity, the majority of these crashes happened during daylight, in normal weather conditions, while the vehicle was going straight.
Protect yourself with auto insurance.
Crashes do happen, but you can keep some simple safety rules while driving. These include wearing your seat belt at all times, obeying the speed limit, being careful and having auto insurance. By having auto insurance, you are able to protect yourself, your family, passengers and other drivers from having additional heartache and financial burden.