Safety Tips for SUV Drivers

Considering the increase in fuel costs and environmental awareness, it is surprising that the most popular vehicle in America is still the sport utility vehicle.  With a higher rollover occurrence, higher center of gravity, and increased difficulty of handling, driving a SUV can be dangerous. 

SUVs are completely different from lower-bodied sedans.  They need much more braking distance between themselves and the car in front of them.  They also are much more prone to slip, skid, or flip in hazardous road conditions; according to research done by the National Highway Traffic Safety Administration, more than 10,000 people each year die in SUV rollovers.. By following these basic tips, you will be better informed of how to safely maneuver in a SUV.

 

  • Slow down. Driving too fast is dangerous; driving too fast in an SUV is even more so.  The longer you have to react, the less likely you are to cause or be involved in an accident.
  • Avoid sudden or sharp steering.  An SUV is not designed to make fast, sharp turns as a smaller, lower, car can.  Allowing yourself more time to react will allow you to make smoother steering transitions.
  • Learn to brake in an SUV. While driving your vehicle, you should be considerate of those around you.  Those behind and beside you will not be able to see around you, so the more warning you can give before you brake, the better. 
  • Check blind spots frequently.  The biggest mistake most SUV drivers make is feeling invincible.  You are in the largest car, but that doesn’t mean you are in the safest.  Many SUV drivers do not use turn signals, or check blind spots, before pulling out or changing lanes, making a collision with a smaller vehicle all the more likely.
  • Avoid overloads. Carrying a great deal of cargo, or even passengers, can throw off the center of gravity even further, making the car more likely to flip over. This also wears on tires and brakes, overheats tires, and can result in a blowout.

 

Simple Tips to Prevent Auto Theft

Every thirty seconds, a vehicle is stolen in the United States.  That means over 1 million vehicle owners each year find themselves victims of auto theft.  In the event your car is stolen, contact the police with the following information immediately: make, model, year, color, license plate number, VIN, approximate time of theft, location, and witnesses, if any. You should know this information, or have it available at all times.  Then, contact your insurance company.  Preventative measures, however, could prevent this tragedy from ever happening.

Some tips to consider:

 

  • Install an anti-theft device.
  • Never leave the keys in the vehicle, or the vehicle running, while unattended.
  • Keep doors locked at all times, and windows up.
  • Never store valuables or packages in plain sight.
  • Have your VIN etched into windows and other parts of your car, making resell on the black market more difficult.
  • When parking on the street, turn your wheels, use your emergency brake, and park between other cars (making it harder for a thief to tow).
  • Avoid parking in long-term lots if at all possible.
  • Park in a safe, well-lit, or well-traveled area at night.

 

Research Shows Side Air Bags Can Save Lives

In a recent study, The Insurance Institute for Highway Safety estimated that side air bags offering head protection could save the lives of about 2,000 drivers a year if every vehicle were properly equipped. The study was based on federal crash data involving 1997-2004 model year cars involved in crashes from 1999-2004 and 2001-2004 SUVs involved in crashes from 2000-2004.

The agency’s conclusion is based on insurance industry research that shows driver deaths in side-impact collisions dropped by more than 50 percent in SUVs equipped with head-protecting side air bags. The study also found that the risk of death dropped 30 percent in side collisions involving SUVs with side air bags that only offer protection to the chest and abdomen.

In passenger cars struck on the driver’s side, the risk of the driver being killed dropped 37 percent in autos with side air bags that have head protection. The risk of driver death fell 26 percent for cars with side air bags providing just chest and abdomen protection. The researchers discovered that fatality risks were lower across the board in vehicles with side air bags, whether the crash involved older or younger drivers, male or female drivers, and drivers of compact cars or larger passenger vehicles.

The side air bag was introduced in the mid-1990s, and has been credited for allowing motorists to escape serious injuries and death when struck in the side. In a head-on crash, the vehicle’s front-end absorbs most of the impact. However, a motorist struck in the side has very little protection without the side air bags.

Side-impact crashes are a major concern. In 2004, the government estimated that 9,270 people were killed in these types of crashes, which amounted to almost 30 percent of traffic deaths reported that year.

Although federal regulations don’t require side airbags in passenger vehicles, more and more manufacturers are installing them as standard equipment. This is due primarily to a 2003 voluntary agreement among automakers to improve occupant protection in side impacts for SUVs and pickups. The agreement is supposed to result in all cars, SUVs, and pickups having side airbags with head protection by 2010.

The auto industry has been keeping pace, and almost four of every five new car and SUV models already have standard or optional side airbags that include head protection. This is a significant increase since side airbags were introduced in the mid-1990s. If you would like model-by-model information on side airbag availability in 1996-2006 models, log on to iihs.org/ratings/ side_airbags/side_airbags.aspx.

Your Driving Record and How It Effects Your Premium

Your insurance company has the right to review your driving record at any time.  Typically, they’ll review your record when you apply for coverage, request changes to your policy, add a vehicle, or renew your policy.  This is to evaluate your risk potential, or determine if you are insurable at all.

Generally, what the insurance company will analyze is the number of points on your license.  When found guilty of a traffic violation (moving violations, parking tickets, at-fault accidents, etc.) you are assigned a certain number of points on your license. The more points you accumulate, the worse your record. The points on your driving record may or may not affect your insurance rate since each company has their own way of evaluating violations.

Insurers typically evaluate your points using their own system to determine the amount of your rate increase (if your rates increase at all).  Most companies, however, use the Safe Driver Insurance Plan, which lists the different types of violations and assigns a points value to each one, based on the severity of the incident.  Under this plan, as you accumulate points, your rates are subject to increase.

Your driving record isn’t the only information your insurer can use to underwrite your policy.  Insurers also use credit scores to determine rates. If you have a good credit score, your rates are likely to be lower than someone with a bad credit score. Insurance underwriters perceive a direct relationship between your credit score and the chances of you filing a claim. Someone with a history of being late on bill payments and who often opens and closes savings or credit accounts wouldn’t be viewed as a good insurance risk.

Trucks and Minivans Provide Greatest Threat of Back-Over Injuries to Children

The University of Utah completed a study that revealed some startling results about the likelihood of children being struck by a truck or minivan backing out of a driveway. Researchers found that children are 2.4 times more likely to be struck by a van and 53% more likely to be hit by a truck than by a car. The study also found that children hit by trucks or minivans are more likely to require hospitalization, surgery, and treatment in an intensive care unit than children backed over by cars.

The research was conducted using medical records and police reports that provided back-over injury data for Utah children under age 10 from 1998 to 2003. The number of state-registered vehicles was used to determine if injuries were more common among certain types of vehicles. The researchers further discovered that driveway back-over injuries represent an incidence of 7.09 per 100,000 children younger than 10 years old annually. Passenger cars account for only 1.62 injuries per 100,000 registered vehicles.  Previous reports have suggested that trucks and minivans produce a large rear blind spot, which makes them especially susceptible to this type of accident. However, this is the first study in the United States that has attempted to document the rate of injury by these vehicles.

The researchers emphasized the importance of educating parents and young children about the rules for safe play in driveways. They commented on the availability of rear cameras and sensors to warn a driver that a child or other obstacle is behind a vehicle. However, the study noted that there is no substitute for walking behind, or at least looking behind your vehicle before putting the car in reverse.

The federal government has also been working on this problem. Legislation pending in Congress would require the National Highway Traffic Safety Administration (NHTSA) to set a standard for rear visibility that all vehicles must meet. Larger rear-view mirrors, rear sensors that sound a warning beep or cameras are among the options.

NHTSA expects to complete work on a study on the various types of back-over technology within a couple of months. The purpose of the study is to examine how effective the systems are and how they are used by drivers. The information will then be used to establish a standard.

Is Your Car a Thief Magnet?

Everybody loves driving a nice car; but not everybody is willing to pay for one.  It is possible that a potential thief may be coveting your car even as you read these words. However, you don’t have to be left vulnerable. The savvy car owner knows that taking a proactive approach can lessen the likelihood of a vehicle being stolen.

The National Insurance Crime Bureau (NICB) is a non-profit organization whose mission is to fight insurance fraud and vehicle theft for the benefit of its member insurance companies, their policyholders, and the general public. As part of their public awareness campaign, they compile an annual list of the top ten most stolen cars. The list for 2003 by make, model, and model year included:

1.                  2000 Honda Civic

2.                  1989 Toyota Camry

3.                  1991 Honda Accord

4.                  1994 Chevrolet Full Size C/K 1500 Pickup

5.                  1994 Dodge Caravan

6.                  1997 Ford F150 Series

7.                  1986 Toyota Pickup

8.                  1995 Acura Integra

9.                  1987 Nissan Sentra

10.              1986 Oldsmobile Cutlass

The NCIB also discovered through its research that in 2003, 1,260,471 motor vehicles were reported stolen at an estimated value of over $8 billion. Since recovery rates are only about 65%, that means a tremendous number of vehicles are either cut up for parts, exported to other countries, or reappear as clones, the latest trend in an ever-growing list of fraudulent car schemes.

But the organization doesn’t stop at compiling statistics. It has formulated what it calls its “layered approach” to auto theft protection by putting together some suggestions to make vehicles less attractive to thieves. NICB’s four layers are:

  1. Use common senseand take advantage of what’s already available to you.  The first line of defense is to use the anti-theft devices that are standard on all vehicles  – the locks. Always lock your car and take your keys.
  2. Having and using a visible or audible warning device is another item that can abort a potential robbery before it happens.
  3. “Kill” switches, fuel cut-offs, and smart keys are examples of how technology can be extremely effective in stopping a thief in his tracks. Chances are, if your car won’t start, it won’t get stolen.
  4. The more expensive high tech tracking devices can alert you and law enforcement the moment an unauthorized driver decides to take your vehicle. Using one of these items will ensure that the local police will apprehend the car thief.

One final thing to remember about auto theft is that it doesn’t always happen when your car is use. It can happen when you take it to the garage for repair. Always be sure that when your vehicle is damaged, that you take it to a reputable repair shop. It is an unfortunate fact of life that some less than ethical garage owners can see your car as supplemental income by having it “stolen” and cut up for parts.  It is important to know whom you are entrusting your car to so that you don’t end up in the market for a new automobile.

Insuring Your Vacation Rental Car: How to Prevent Being Over or Underinsured

While most people take the time before a vacation to research the best rates on rental cars, they generally forget to research insurance coverage for their rental car ahead of time. This can lead to costly mistakes either by being underinsured or by purchasing too much coverage. 

To prevent either of these scenarios, car renters should spend a few minutes before a trip to make sure they are adequately insured.  Your insurance company will inform you as to what coverage on your own car applies to rental cars.  Generally when renting a car for pleasure, your personal auto coverage applies to the rental car.  However, if you don’t carry comprehensive or collision coverage, you will not be protected if your rental car is stolen or damaged in a collision and you should consider purchasing the rental company’s collision damage waiver.

When paying for the rental with your credit card, the company and/or bank which holds the credit card may also provide coverage.  Call the 800 number on the back of your card for more information.  Generally credit card insurance benefits are secondary to personal insurance policies and any insurance offered by the rental car company.  Be sure to ask for a written copy of the credit card company’s insurance coverage information. 

Once this research has been conducted you should have a clear idea if you need additional coverage through the rental car company.  Costs and coverage varies from state to state, however, renters generally have the following products available to them:

Collision/Loss Damage Waiver
Costing between $9 and $19 per day, this “waives” financial responsibility for theft or damage to a rental vehicle other than for accidents involving such factors as speeding or driving while intoxicated. 

Liability Insurance
While rental companies by law must provide a minimum of liability insurance; the coverage is usually so low that it does not provide enough protection.  Supplemental liability insurance costs between $7 and $14 a day for $1 million in liability coverage.

Personal Accident Insurance
For $1 to $5 per day, this offers you and your passengers coverage for medical bills resulting from a car crash. Your health insurance or auto policy personal injury protection may provide adequate coverage. 

Personal Effects Coverage
For $1 to $4 per day, this insures against theft of items in the car.  Your home or renters insurance policy may also provide this protection.

Trading Places – When It Becomes Necessary to Tell Your Elderly Parents to Stop Driving

There sometimes comes a point in the relationship between adult children and their parents that you begin to notice a shift in power.  Suddenly, the people whose favorite words were “because I said so” are the ones being counseled on their decisions.  Role reversal is an extremely difficult change for parents, but it is no less intense for the adult child.  One of the areas this shift becomes the most unpleasant is when the child needs to tell a parent they should no longer be driving.

Driving often equates to independence.  Take away the keys and you limit personal freedom.  Obviously when faced with the option of not being able to come and go as they choose, often the result is the parent chooses not to go down without a fight.  Still, there are warning signs that a parent has arrived at that fork in the road when it becomes necessary to find other ways of getting around.  AARP lists the following warning signs:

 

  • Changing lanes without signaling
  • Going through stop signs or red lights
  • Reacting slowly
  • Problems seeing road signs or traffic signals
  • Straying into other lanes
  • Going too fast or too slow for safety
  • Exhibiting problems making turns at intersections, especially left turns
  • Performing jerky stops or starts

 

If you see these signs on a consistent basis, it is necessary to have that dreaded, forthright discussion with your parents.  When you decide it’s time, there are a few basic rules to follow.  The first is watching your approach.  Things may get loud, but avoid using a nasty tone, criticizing them, or making them feel inadequate.

Don’t make discussion of their deteriorating driving abilities a head on collision.  Try bringing it up indirectly by mentioning you read an article about problems older drivers have or perhaps you know of someone who decided to stop driving.  Ask them if they’ve noticed changes in their own abilities.  Then talk about ideas of how they can get around and not feel housebound.  This will necessitate having an action plan in place with family and friends as to who will be available to drive your parents to their regular activities. Get everybody involved so that it isn’t just the responsibility of one or two drivers.  Also, include in that plan any public, private and community transportation services available.  Be sure to investigate public buses, subways, taxis, private drivers for hire, senior transportation services and volunteer driver services.

Be understanding if your parents resist change.  It may require more than one discussion to finally get them to relinquish the keys.  However, you do need to remain firm without being harsh.

Finally, if your parents insist on continuing to drive, ask their doctor, their clergy, or a close family friend to speak with them.  Sometimes it’s easier for parents to accept advice from an outside source than it is for them to accept it from their children. AARP notes on their web site that, “As a last resort, you can contact the local Department of Motor Vehicles and report unsafe driving.  Most states will contact older adults and have them take a driving test, revoking their license if necessary.”

Tips to Reduce Insurance Premiums for Your Teenage Driver

While most parents would prefer to keep their teenagers off the road, you probably won’t have much success encouraging them to withhold from getting that long awaited ticket to freedom. 

Unfortunately, because teenagers are at a higher risk for traffic accidents and tickets, their insurance rates can easily be 50 to 75 percent higher than their parents.  Furthermore, premiums for teenage drivers generally won’t be significantly reduced until they turn 25, get married or both.  In the meantime, they’ll stand to save money by having themselves added to your insurance policy instead of getting their own policy.

Here are some ways to reduce car insurance premiums, courtesy of the Independent Insurance Agents of America:

  • Make sure your teen stays in school and studies to make good grades. Many insurers offer discounts to good students.  A “B” average or better in school carries a lot of weight in keeping insurance costs down.
  • Sign up your teen for a supplementary driver’s education course.  Many insurers will offer a discount to offset your investment.
  • If your teen will be driving a family car, designate one vehicle he or she will drive.  Otherwise, the insurance company will calculate the premium based on the highest risk vehicle covered by your policy.
  • Consider a higher deductible. Moving from a $250 to $500 or $1,000 deductible can save you 10 to 20 percent on your premium.  Consider whether you can absorb the extra out-of-pocket expense in the event of an accident.
  • Reward safe driving.  More than anything else, an accident- and ticket-free driving record will keep your premiums at their lowest.

Do Not Fall Prey to a Staged Auto Accident

As if it wasn’t painful enough to be found at fault in an auto accident, imagine finding out that it was not an “accident” after all.  Each year thousands of drivers become victims of staged auto accidents, and most never realize it.  Criminals plan the accident to appear as the innocent driver is at fault, and then file claims for vehicle damage and personal injury to the at fault driver’s insurance company.

The CPCU Society and the National Insurance Crime Bureau offer the following safety tips to help avoid these scams:

 

  • When driving look beyond the car in front of you. If you see traffic slowing, start applying the brakes – don’t wait for the car in front of you to brake first.
  • Allow plenty of space between your car and the car ahead of you so you have time to react to sudden stop.  The general rule is one car length for every ten miles per hour traveled.
  • Be especially careful when turning into a lane that allows for two vehicles to turn left simultaneously. People committing staged collisions often prey on cars that cross the center line, purposely sideswiping the victim’s car.
  • Call the police to the scene and get a police report, even if damage is negligible. If the police report describes the resulting damage as minimal, it will be harder for the criminal to inflict further damage to their car afterwards and collect a larger claim.
  • Carry a disposable camera in your glove compartment and take as many pictures of the other car and its passengers as possible.
  • If you suspect a scam, call the NICB hotline at (800) TEL-NICB.