Will your car insurance pay damages for a deer collision?

The Iowa Insurance Division (IID) offers tips for making sure vehicles are covered in case of accidents involving deer. Iowa drivers should be aware that they need a specific type of insurance to cover their car repair costs.

The spring and fall seasons bring an increase in the number of incidents involving deer. While no state agency actually tracks this data, recent years have seen as many as 4,000 accidents involving animals reported to the Department of Transportation. Officials believe that many accidents with animals go unreported. The department has picked up more than 10,000 carcasses along Iowa roadways that had been apparently hit by passing motorists in some years.
“Some consumers don’t realize that collision insurance does not cover damages when a car hits a deer,” said Tom Alger, communications director for the IID. “Automobile owners should check the declarations page of their policy to see if they have purchased the appropriate ‘Comprehensive Coverage’. The additional premium is usually minimal, but well worth the cost if you are involved in an accident.”

Insurance policies usually use one of two different terms to describe coverage that includes contact with animals: “Comprehensive Coverage” or “Other Than Collision Coverage.” The coverage included in those terms is protection against damage to a vehicle caused by hitting a deer, as well as damage from hail, theft or falling objects. It is optional and includes its own deductible.

Will your car insurance pay damages for a deer collision?

November 21st, 2004 by site admin | No Comments »

Car Insurance in Kingdom Grows 126% to SR610m

Car insurance in Saudi Arabia grew by 126 percent last year to SR610 million as a result of the mandatory insurance on driving license imposed by the country two years ago, according to a report published by the Saudi Arabian Monetary Agency.

Car insurance became mandatory on all motorists in the Kingdom from Nov. 20, 2002. Saudi authorities have emphasized that they would not allow anybody to drive without an insurance policy. There are more than five million cars in the Kingdom. Demand for motor insurance has been increasing due to high rate of traffic accidents in the country.

Car Insurance in Kingdom Grows 126% to SR610m

November 21st, 2004 by site admin | No Comments »

Rail crash to up cost of car insurance

Motorists face an extra 50p on their insurance policies because of the Berkshire train disaster caused when Brian Drysdale, 48, drove his car on to the rail line, experts have warned.

The levy will be needed to meet the cost of what is expected to be one of the biggest motor insurance compensation payouts in history.

It is believed that Drysdale may not have had valid car insurance when he caused the crash. If this is confirmed, the claim will have to be met by the Motor Insurers’ Bureau.

This body is funded by a levy on all policyholders to meet the cost of accidents involving uninsured drivers - about one in 20 of the total.

Rail crash to up cost of car insurance

November 15th, 2004 by site admin | No Comments »

USAA will reduce car insurance rates

Insurance reform may mean little to homeowners who haven’t seen their premiums drop since the passage of Senate Bill 14 last year.

But motorists are benefiting.

One of the state’s larger insurers said Thursday it would cut auto insurance rates an average 12 percent, signaling the change in rules is having an effect.

USAA, which insures military members and their families, already cut rates an average 4.5 percent in February.

The insurer credited the reductions to lower operating costs and last year’s insurance reform, which increased competition.

USAA will reduce car insurance rates

November 15th, 2004 by site admin | No Comments »

Driven To Distraction

For some time now there has been widespread dissatisfaction amongst the motoring public about the cost of insurance which, in recent years, has risen considerably -indeed more steeply than consumer prices in general.

It is no exaggeration to say that the public, and young people in particular, are being fleeced by the insurance industry.

Despite much heated debate on the exorbitant cost of car insurance, there has been no tangible move to reduce the heavy burden on motorists.

Consumers blame high premiums on insurance providers who, in turn, point to the government, the legal profession and young drivers as the main contributors to soaring costs.

Whatever the answer, the industry is in a win-win scenario, raking in billions of pounds every year.

Responsible motorists might be forgiven for feeling a tinge of road rage on learning that uninsured drivers are adding significantly to the cost factor.

According to the insurance industry, the growing problem of uninsured drivers adds significantly to the annual premium of every insured motorist in the country.

Driven To Distraction

November 15th, 2004 by site admin | No Comments »

Auto-insurance reform applauded

New Jersey drivers, on average, pay the most in the nation for auto insurance.

They are almost three times more likely to crack up their cars.

Yet their governor says he has fixed the state’s chronic car-insurance mess.

Like the high premiums and the chilling odds on being involved in a crash, mixed messages surround Gov. James E. McGreevey’s claims to having fixed things, industry leaders say.

Generally, however, they applaud.

Auto-insurance reform applauded

November 12th, 2004 by site admin | No Comments »

Why the silence on NAICOM?

The National Insurance Commission (NAICOM) usually a self-effacing institution, and necessarily so, given the nature of its business, has been in the news lately for a lot of reasons which are bound to shake the confidence of the public in the Commission whose basic product is trust. It is a cardinal principle of insurance, which also constitutes the bedrock of modern enterprise, that trust is fundamental not only with regard to the activities of the individual companies within the sector but especially in the Commission established to regulate the sector.

In Nigeria, NAICM is the regulatory body and it is one of the parastatals under the Ministry of Finance.

For years NAICOM has maintained a dignified presence. Its Commissioner, who until the incumbent served two terms, was hardly in the news preferring to operate from the background as much as possible. All that has changed in the last few years. The current NAICOM Commissioner was appointed to an unprecedented third term by the Abacha administration a few months before the death of the former dictator and for a period of two years served without a board of directors, making him a sole administrator. Only history would tell if those years of wielding absolute power over an entire sector has been beneficial to the national economic interest. But it is an axiom that absolute power tends to affect those in possession of it in ways not socially advantageous.

Why the silence on NAICOM?

November 12th, 2004 by site admin | No Comments »

Fairfax Financial steers clear of Canadian car insurance: ‘a political issue’

The Canadian car insurance business is a toxic wreck and Fairfax Financial Holdings Ltd. and its operating companies will continue to steer clear of it, company executives said Monday.

“It has become such a political issue in Canada,” Byron Messier, president of Fairfax subsidiary Northbridge Financial Corp., told American analysts during a New York presentation.

He noted that across Canada there are either premium rollbacks or freezes, with return on equity on personal auto coverage controlled by provincial governments.

Northbridge (TSX:NB) does less than 10 per cent of its business in personal insurance lines, as its four units concentrate on commercial coverage and niches such as insuring big trucks.

Fairfax Financial steers clear of Canadian car insurance: ‘a political issue’

November 12th, 2004 by site admin | No Comments »

Speedy Drivers Ignore Statistics: Farmers Insurance Survey Shows 7 in 10 Motorists Say They Exceed Posted Limits on Highways Despite High Fatality Rates

In a recent Farmers Insurance Group survey, 69.2 percent of respondents admitted to exceeding the posted speed limit on the highway. Furthermore, 36 percent said they regularly exceed the posted speed limit by five or more miles per hour, and 22 percent said they repeatedly drive 10 or more miles per hour over the speed limit.

According to the National Highway Traffic Safety Administration (NHTSA), speeding is a factor in 31 percent of all fatal crashes, killing an average of 1,000 Americans every month. In addition, the NHTSA estimates the economic cost to society of speed-related crashes to be more than $40 billion each year.

“Speeding reduces the amount of available time needed to avoid a crash and increases the likelihood of an accident and the severity of a crash once it does occur," said Greg Ciezadlo, vice president, Personal Lines, Auto Product Management for Farmers Insurance. "Yet motorists continue to endanger their lives and the lives of others by speeding or driving too fast for conditions.”

The Insurance Institute for Highway Safety (IIHS) found that when many states raised their speed limits in 1996, motor vehicle fatalities went up approximately 15 percent on Interstate highways in those states.

Speeding not only routinely occurs on freeways but also on local streets. Many commuters opt to take "surface streets" thinking they can more efficiently escape traffic and avoid congested freeways. A 2002 NHTSA study revealed that 87 percent of speeding-related fatalities occurred on roads that were not Interstate highways. According to Ciezadlo, driving 45 miles per hour instead of 35 on a five-mile trip saves less than two minutes. Nonetheless, 52.3 percent of the Farmers Insurance survey respondents said they exceed the speed limit while driving to and from work or school.

Weather also plays a significant role: speeding was a factor in 53 percent of fatal crashes that occurred when there was snow or slush on the road and in 60 percent of those that occurred on icy roads.

“Most of the time, these accidents can be traced to drivers who think they can go faster than the conditions will allow them, or they’re in a hurry to get to their destination,” Ciezadlo said.
Farmers Insurance Group offers these safety tips to help motorists become more aware of their driving habits and road conditions:
* Take time to plan ahead. Make sure you allow yourself enough travel time so you don’t end up rushing to get to your destination.
* Check your local traffic report on the web before you leave so you know where to expect congestion — and therefore you’ll know if you need more or less time to get to your destination.
* Know your road conditions. If the road is wet, slow down and keep more distance between you and the vehicle ahead of you. Also, roads are treacherous when it first starts to rain, as the water mixes with oils and other deposits to create a slick road surface.
* Be prepared to adjust to sudden speed reduction, such as when exiting from a highway, encountering sharp curves on a two-lane road or entering residential or high bicycle/pedestrian traffic areas.
* If you’re late, you’re late. Just accept it and apologize when you arrive. It’s better than endangering lives.
* Wear your seat belt. It’s not only the law, it could keep you from becoming a speeding-related fatality.

November 12th, 2004 by site admin | No Comments »

Drive Safer America! Presents Active Vehicle Safety at Meeting of Public Health Officials

Drive Safer America! took its message on the road today with a presentation for public health officials at the American Public Health Association 132nd Annual Meeting and Exposition. Spokesperson Phil Headley gave a luncheon presentation on the importance and benefits of active vehicle safety technologies, making America’s roads safer and helping to prevent crashes, injuries and fatalities on our nation’s highways.

“According to National Highway Traffic Safety Administration (NHTSA), more than 42,000 Americans died on our roads in 2003,” Headley said. “Traffic fatalities are the leading cause of death among Americans between the ages of 4 and 34,” he continued. “There is technology available today to help decrease fatalities and injuries on America’s roads.”

Headley’s remarks featured an overview of safety equipment available now, such as electronic stability control (ESC), lane departure warning, adaptive cruise control and active rollover protection. Also highlighted were some future vehicle technologies that will be available soon, including a fully integrated approach to vehicle electronics that encompasses active and passive safety technologies, including airbags, seatbelt pretensioners and sunroofs and windows that close when an impending collision is detected, helping protect passengers when a collision is unavoidable. Electronic stability control is the foundation of this approach to integrating safety technologies.

“Recent significant research has proven the benefits of active safety technologies, like ESC,” said Headley.

The Insurance Institute for Highway Safety reported last month that ” … widespread application of ESC in the vehicle fleet can be expected to afford a significant safety benefit” because the technology “reduces fatal single vehicle crashes by about 56 percent, and all single vehicle crashes by 41 percent.” This concurs with NHTSA’s recent report of preliminary findings that ESC reduced single vehicle SUV crashes by 67 percent. The NHTSA study also found that ESC reduced single vehicle crashes in passenger cars by 35 percent. Evaluating fatal crashes only, the NHTSA found ESC was associated with a 30 percent reduction for passenger cars and 65 percent for SUVs.

These new systems enrich the driving experience by making people safer and more comfortable. The safety advances that the ’smarter vehicles’ bring are crash avoidance benefits. “Active and passive safety measures must be networked in order to reach the objective we all seek — the avoidance of crashes, if possible, and when crashes are not avoidable, significant reduction of fatalities and injuries,” said Headley.

Drive Safer America! Presents Active Vehicle Safety at Meeting of Public Health Officials

November 12th, 2004 by site admin | No Comments »


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