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Free infographic: Be alert for deer-vehicle collisions

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Free infographic: Be alert for deer-vehicle collisions
Insurance claims for damage from collisions with animals rise every fall. The high claim period coincides with deer mating season when bucks are likely to be roaming. With more roads and building sites being developed, deer are also being displaced from their natural habitat, creating an uptick in deer-vehicle collisions. View the infographic to learn when deer-vehicle collisions are most likely to take place, which states have the most claims, the average cost of the insurance claims and tip...
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| Categories: Auto | Tags: auto , infographic
19

Adding a teen to insurance policies costs how much?

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Adding a teen to insurance policies costs how much?
If you're about to buy car insurance for your teen driver, prepare to open your wallet. The cost of adding a teen to your auto insurance policy will more than double your annual insurance premium in almost every state, according to data gathered by Insurance.com. Only parents in Hawaii—where laws prohibit use of age and experience as rating factors—escape this financial wallop. Teens more likely to get in car accidents Teens are more expensive to insure than older driver...
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12

Distracted Driving: Tips for safer travel

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Distracted Driving: Tips for safer travel
Have you ever texted, spoken on the phone, changed radio stations or turned around to talk to passengers while driving? If so, you may be exposing yourself, your passengers and anybody else on the road to harm. Driver distractions such as these accounted for 10 percent of all fatal crashes, 18 percent of injury crashes and 16 percent of all motor vehicle crashes in 2012, according to the National Highway Traffic Safety Administration (NHTSA). And of these hazards, cell phones and text messagi...
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Poor road conditions costing insurers $27B, according to recent survey
Poor road conditions have cost consumers and the insurance industry at least $27 billion over a five year period, according to a 2014 survey commissioned by Trusted Choice® and the Independent Insurance Agents & Brokers of America (IIABA or the Big "I"). The survey also reveals that from 2009 to 2014 half of car owners experienced damage to their vehicles as a result of potholes. As millions of Americans encounter potholes as the rough winter wraps, drivers are urged to be c...
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31

Stay safe this winter and prepare your car for the cold

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Stay safe this winter and prepare your car for the cold
Prepare for extremely cold weather every winter because it is always a possibility. There are steps you can take in advance for greater wintertime safety. Prepare Your Car for Winter Avoid many dangerous winter travel problems by planning ahead. Have maintenance service on your vehicle as often as the manufacturer recommends. In addition, perform the following: Have the radiator system serviced or check the antifreeze level yourself with an antifreeze tester. Add antifreeze as needed...
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13

What is gap insurance and who needs it?

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What is gap insurance and who needs it?
When you buy or lease a new car or truck, the vehicle starts to depreciate in value the moment it leaves the car lot. In fact, most cars lose 20 percent of their value within one year. Standard auto insurance policies cover the depreciated value; in other words, insurance pays the current market value of the vehicle. If you finance the purchase of a new car and only put down a small deposit, the amount of the loan may exceed the market value of the vehicle in its early years of ownership. Gap...
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Car pools effect on automobile insurance: Employer liability
Since some employers sponsor or encourage the use of car pools, there has arisen the question of their possible liability for accidents involving these automobiles. It seems reasonably possible that a court might hold that this sponsorship of group riding somehow creates a master-servant relationship, making the employer liable either to members of the public or (apart from workers compensation recovery) to employees who have accepted rides at the employer's suggestion. Some states have f...
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25

The seven keys to refinancing a car

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The seven keys to refinancing a car
With historically low refinance rates, Americans have the opportunity to save money, even with car loans. Don't overlook the interest rate opportunity.  Car loan rates did not drop as quickly as mortgage rates, but they did follow eventually. According to Federal Reserve figures, the average rate on a four-year car loan was 6.72 percent at the end of 2009, but had dropped to 4.16 percent by the third quarter of 2014. Compare mortgage rates with auto refinance rates.  A new ...
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| Categories: Auto | Tags:
25

Car pools effect on automobile insurance: Injuries

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Car pools effect on automobile insurance: Injuries
Injury to Named Insured: In some car pools, one automobile is used all or most of the time, with the participants taking turns driving. The question frequently arises whether liability for injury to the owner of the automobile is covered, should he or she be injured while someone else is driving, and whether it is advisable to show each participant as an additional named insured. Under the provisions of most automobile policies, any person using the automobile with a reasonable belief of perm...
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24

Car pools effect on automobile insurance

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Car pools effect on automobile insurance
Every weekday, millions of Americans carpool to work or school to save money, preserve their vehicles and help the environment by reducing the number of cars on the road. The 2000 U.S. Census found that 15.6 million (12.2 percent) of all commuters carpool to work. What does that mean in terms of auto insurance to those who are carpooling? The exclusion of public or livery conveyances traditionally included in automobile policies has been a principal source of anxiety to insureds forming car p...
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